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 9.6 9.6 9.1
Count 235 758 4989

ASPCA Pet Health Insurance

9
Out of 10
Posted: 05/26/2011
By:
KEN MOORE

I HAVE SUBMITTED 2 CLAIMS FOR MY PETS. I HAVE A BEAGLE AND A ROTTY. ASPCA HAS PAID ALL CLAIMS FAIRLY AND QUICKLY. I FEEL THAT IT IS A GOOD INVESTMENT. I LIKE THAT THEY DO NOT PUT A CUTOFF ON YOUR DOGS AGE AS MY PETS ARE 8 AND 9 YEARS OLD. I AM VERY...

Injury/illness

Gastritis/vomiting

Claim Amount
$100 - $500
Breed

Beagle

Age of Pet
Over 8 years
8
Out of 10
Posted: 05/26/2011
By:
Cathy Nigro

Blondie was hospitalized after eating an entire bag of Nestles chocolate chips. She spent two days in the hospital. The bill was over $ 1,000. I was reibursed about $ 650. I was a little dissapointed in that so much was discounted. I live about 6...

Injury/illness
Poisoning by chocolate
Claim Amount
Over $1000
Breed

Greyhound

Age of Pet
1 - 8
10
Out of 10
Posted: 05/25/2011
By:
Pam in San Diego

Sweet Baby Girl is my chocolate brown Toy Poodle, and my baby. She recently had a bout of "something" and was just not herself. Long story but finally an X-ray was taken and revealed inflamed bowels. She went on medication and is back to her adorable self...

Injury/illness
Just not herself
Claim Amount
$500 - $1000
Breed

Toy Poodle

Age of Pet
1 - 8
8
Out of 10
Posted: 05/25/2011
By:
Vincent M. Campisi

In the recent past, I know of someone who was presented with an $8,000.00 bill to cover the expences incurred attempting to keep a standard poodle alive. Unfortunately, the dog did not make it through the surgeries, blood transfusions and other...

Injury/illness

Skin problem

Enteritis/diarrhea

Thyroid

Claim Amount
$100 - $500
Breed

Sheltie

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.