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 9.2 9.6 9.0
Count 53 873 4397

ASPCA Pet Health Insurance

2
Out of 10
Posted: 12/14/2007
By:
Susan

I've had pet insurance on my 4 dogs for only a little overa year, and so, I had very little experience with any
of the pet insurance companies. 3 of my dogs are
relatively young (1,2, and 5), but my 4th dog is 13
years old. Because of that, I had troubl...

Injury/illness
Claim Amount
Breed
Age of Pet
9
Out of 10
Posted: 11/21/2007
By:
Miriam

Each time I submit a claim I am always pleasantly surprised when I get a check in the mail! So many weird unexpected things can happen. It's great peace of mind. I highly recommend it.

Injury/illness
Claim Amount
Breed
Age of Pet
2
Out of 10
Posted: 10/04/2007
By:
Robert

As an example: If your pet is diagnosed with cancer in the 10th month of the policy then all claims that continue into the renewal are not covered as they are considered a pre-existing condition. I purchased two policies on my two cats from Petshealth...

Injury/illness
Claim Amount
Breed
Age of Pet
1
Out of 10
Posted: 08/10/2007
By:
Ed

It is easy to setup a policy on the website, but try to terminate a policy; it's like pulling teeth. If you e-mail them, they don't respond, when you call them, the customer service extension has a long queue. If you call and speak to the sales...

Injury/illness
Claim Amount
Breed
Age of Pet
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 injuries or preventive care. Coverage begins 14 days after date listed on policy for illnesses and knee/ligament conditions.

Exclusions

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

ASPCA Pet Health Insurance has three 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.

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.