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 9.8 9.6 9.0
Count 173 785 4678

ASPCA Pet Health Insurance

10
Out of 10
Posted: 09/23/2010
By:
Robert Gelfand

My dog had a reaction within a half-hour of having had a rabies shot. She got extremely sick in the car going home. Having had a previous history of pancreatitis, I decided to take no chances. I turned around and went right back to the vet's office. A...

Injury/illness

Gastritis/vomiting

Claim Amount
$100 - $500
Breed

Yorkshire Terrier

Age of Pet
Over 8 years
10
Out of 10
Posted: 09/22/2010
By:
Chasey

I am the proud owner of 3 dogs and a cat. Shortly after I adopted my pug puppy, he jumped off a step and broke his growth plate, requiring surgery. It cost me over $3,000 out of my own pocket. I decided then and there to purchase insurance from ASPCA.
Abo...

Injury/illness

Bladder

Claim Amount
Over $1000
Breed

Domestic Longhair

Age of Pet
Over 8 years
10
Out of 10
Posted: 09/22/2010
By:
Charlotte

I have been extremely happy with ASPCA Insurance. I have had it approximately 2 years now. The claims are paid immediately. Whenever I call I get through right away to an agent. Everyone has been very nice to deal with and they always try to help me. I...

Injury/illness
coughing
Claim Amount
Under $100
Breed

Pomeranian

Age of Pet
1 - 8
9
Out of 10
Posted: 09/20/2010
By:
Mark Van De Mar

I have been with Petshealth for over 4 years years now. I have found them to be exceptional at handling my claims. My most recent experiences involved find two lumps on my 5 year old dog. I encountered no issues with having my dog examined and biopsied...

Injury/illness
Bronchial Allergy
Claim Amount
$100 - $500
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.