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.

Learn more about ASPCA's plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider. 

Average customer rating

9.1 Out of 10
60 Days 1 Year Lifetime
Rating 5.7 9.3 9.1
Count 6 156 5571

ASPCA Pet Health Insurance Reviews

1
Out of 10
Posted: 02/23/2021
By:
Emma
Mason

DON'T WASTE YOUR MONEY. 
I got this insurance for my horse (yes, horse not a dog), and it's easily one of the biggest scams I've ever seen. My horse got a suspensory ligament strain as a result of an injury and they're refusing to cover a penny of my...

Injury/illness
Claim Amount
Breed

Mixed Breed Large (70–90 Lbs)

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/18/2021
By:
John
Miller

I don`t write reviews often, but this company stood behind their claims policy and covered my pooch when he injured a leg. Saying that, I will renew policy for next year. I purchased an accident only policy.

Injury/illness
Claim Amount
Breed

Standard Schnauzer

Age of Pet
1 - 8
1
Out of 10
Posted: 02/02/2021
By:
April
Starr

We waited for 2 months for them to process our claim of $299, called numerous time, and in the end the claim was denied because they couldn't reach the vet office which is absolute garbage. We go thru this every. single. time. we submit a claim and I...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Posted: 01/29/2021
By:
Elizabeth
Che

We waited for three months for them to process our claim of $500, and at the end the claim was denied because they couldn't reach the vet office. This amount was not even applied to deductible. I feel like we paying them money for nothing

Injury/illness
Claim Amount
Breed

Cavalier King Charles Spaniel

Age of Pet
Under a year
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 preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

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

ASPCA Pet Health Insurance has two 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.

If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee.

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.