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 9.7 9.6 9.1
Count 77 847 5401

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 04/04/2020
By:
Danielle Guillot

This insurance company has been great! The only complaint is that claim payment time does take a while. But I know it’s because they are Thorough.

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/04/2020
By:
Kathy Day

I do canine search and rescue and understand the value of having pet insurance, especially for a working dog that requires years of training. I got a new german shepherd puppy who was extremely active. He was 5 months old and one morning he had thrown up...

Injury/illness
Claim Amount
Breed

German Shepherd

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 04/03/2020
By:
Ashley

We have a ten month old puppy who we decided to get insurance for. Since then, he has had many health concerns and a double shoulder surgery. I am SO grateful for ASPCA! Super easy to file claims and very friendly staff. I am constantly recommending ASPCA...

Injury/illness
Claim Amount
Breed

Cane Corso

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 04/03/2020
By:
Tania O.

I'm nearing the end of my first year with ASPCA Pet insurance for my fur baby and I couldn't be happier. We've received quick and efficient, friendly service they've provided during the claims presented.

Injury/illness
Claim Amount
Breed

Mixed Breed

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 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.