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 9.5 9.5 9.1
Count 171 794 5141

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 10/15/2019
By:
Keva

I used the app to submit my claims. I can’t believe how easy it was. The responses were quick. I’m really happy with my ASPCA insurance.

Injury/illness
Claim Amount
Breed

Goldendoodle

Age of Pet
10
Out of 10
Recommended
Posted: 10/15/2019
By:
Tricia

I was so impressed by the claims process and also the customer service that I received when Otis was sick. They called to follow up after the claims process to see if he was OK, not to check in to see how they had done, but to genuinely check to see how...

Injury/illness
Claim Amount
Breed

Old English Bulldogge

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 10/14/2019
By:
Char

From the time I first enrolled my cat in a ASPCA insurance policy, I have had excellent customer service representatives help me with any and all questions. I am impressed with their professional and friendly manners, and appreciate that they refer to my...

Injury/illness
Claim Amount
Breed

Domestic Shorthair

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 10/12/2019
By:
Eileen M. Rowley

Simple process, vet not involved. Simply submit paid, detailed vet invoice through ASPCA Pet Insurance phone app. Payment shows up in checking account about 3 weeks later. Easy peasy. Highly recommend.

Injury/illness
Claim Amount
Breed

Giant Schnauzer

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.