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 126 742 4752

ASPCA Pet Health Insurance

8
Out of 10
Posted: 11/29/2010
By:
L S

My older dog had a tumor on his eyelid that was causing discomfort, continuing eye infections and the possibility of permanent eye damage and vision loss. He had another tumor on his knee. Both were removed at the same time. Based on my health...

Injury/illness
tumors
Claim Amount
Over $1000
Breed

Bouvier Des Flandres

Age of Pet
Over 8 years
1
Out of 10
Posted: 11/28/2010
By:
Elizabeth

I had three cats (one mixed breed and two Balinese) on ASPCA and in all cases of claims except for one they refused to pay anything, arguing pre-existing and/or heridtary condition even though there were no known problems when I first insured the cats....

Injury/illness

Skin problem

Cancer

Claim Amount
Over $1000
Breed

Balinese

Age of Pet
1 - 8
10
Out of 10
Posted: 11/27/2010
By:
Natalie Boecker

Should something catastrophic happen to our dear boy, Tyler, I don't want my choices to come down to money. We have become extremely attached to our terrier mix. Some years we have benefitted from having insurance, some years we haven't used it at all....

Injury/illness

Enteritis/diarrhea

Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
Under a year
10
Out of 10
Posted: 11/22/2010
By:
Ronald & Susan Groer

After adopting Trixie (a black three legged kitten) and Alice (a Maine Coon mix), we decided on securing coverage for them in the event of accidents or illness. After doing some research, we felt the best choice for us would be coverage offered through...

Injury/illness
UTI
Claim Amount
$100 - $500
Breed

Mixed Breed

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.