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 10.0 9.6 9.1
Count 2 261 5561

ASPCA Pet Health Insurance Reviews

4
Out of 10
Posted: 11/04/2020
By:
Tyler

We wanted to use ASPCA health insurance because we are gold members since we donate every month and thought why not use them to insure our pet but ever since we started it’s been like we don’t even have insurance. We get reimbursed little to nothing back...

Injury/illness
Claim Amount
Breed

Domestic Shorthair

Age of Pet
Over 8 years
1
Out of 10
Posted: 10/29/2020
By:
Calvin
Simmons

No response to phone calls, only put on hold, never speak to a live person. Slow response to emails. Seem to only respond when threaten to cancel, then false promises. Fail to process claims with wait time of more than six weeks and still not processed...

Injury/illness
Claim Amount
Breed

German Shepherd

Age of Pet
Under a year
1
Out of 10
Posted: 10/27/2020
By:
Cory
Windelspecht

First lets start with the ease of a claim. They take roughly 3 weeks before they remotely give you any news. Trupanion on the other hand which I use for my other dog is complete in 24-48 hours.

2- They will fight you on EVERYTHING to make sure...

Injury/illness
Claim Amount
Breed

Miniature Poodle

Age of Pet
Over 8 years
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.