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 9.6 9.6 9.0
Count 128 743 4752

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 06/21/2019
By:
Sarah

We’ve had ASPCA for the last two years for our English Bulldog. It’s been good to know that our coverage is there for her trips to the vet and the claim process is easy and quick. We’ll continue to use ASPCA and would refer to friends and family.

Injury/illness
Claim Amount
Breed

Bulldog

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 06/21/2019
By:
Krystyna Johnson

I am very fortunate to have this insurance coverage for my Belle. This recent emergent condition scared me so bad, so having the insurance was a blessing and calming factor during all of this. Great turn around time on the reimbursement was also very...

Injury/illness
Claim Amount
Breed

Dachshund

Age of Pet
1 - 8
9
Out of 10
Recommended
Posted: 06/21/2019
By:
Elaine Kling

When we receive a reimbursement from ASPCA, I put it aside until our next visit to the doctor and it goes towards that bill, or I save it until there is a rather large bill and it helps with that.

Injury/illness
Claim Amount
Breed

Flat-coated Retriever

Age of Pet
Over 8 years
9
Out of 10
Recommended
Posted: 06/21/2019
By:
Christina Dakin

Never had any issues with processing a claim. Receive immediate email stating claim was received and it's usually processed within 5 days.

Injury/illness
Claim Amount
Breed

Pit Bull

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.