ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice.

Average customer rating

9.0 Out of 10
60 Days 1 Year Lifetime
Rating 9.2 9.6 9.0
Count 53 872 4397

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 12/04/2018
By:
Anna Calhoun

Our dog, Bucky, was diagnosed with heartworms. It was unexpected and he'll be receiving treatment for a significant time to come. I submitted my claim form, which was easy to do, and was pleasantly surprised with the ease of the process and timeline for...

Injury/illness
Heartworms
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 11/30/2018
By:
Philip Ward

First claim/s. The app is easy to use. Claim was processed in a couple of weeks and amount paid directly into my account. Very impressed with the whole process. Definitely recommend

Injury/illness

Enteritis/diarrhea

Claim Amount
$500 - $1000
Breed

Goldendoodle

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 11/30/2018
By:
Brooke West

ASPCA truly has exceeded my expectations. I have never purchased pet insurance before, but as my dog turned 7 this year, I figured it was a good idea to look into it and take the plunge. Sadly, my dog had a random seizure a few weeks ago, so I submitted...

Injury/illness
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
8
Out of 10
Recommended
Posted: 11/29/2018
By:
Doreen S Meaney

I'm very pleased so far with my interactions with this insurence company, although I was a little dissapointed the claims took longer than expected, almost 7 weeks. Your customer service reps are outstanding. I talked to three different people in two days...

Injury/illness
Claim Amount
$100 - $500
Breed

English Bulldog

Age of Pet
1 - 8
Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. 

No lifetime limits. 

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for injuries or preventive care. Coverage begins 14 days after date listed on policy for illnesses and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered.

ASPCA Pet Health Insurance has three Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment.

Accident-Only coverage available.

ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. 

Their Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.