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 9.7 9.6 9.0
Count 126 773 4586

ASPCA Pet Health Insurance

10
Out of 10
Posted: 04/01/2010
By:
Joel

Having experienced a serious illness to our previous pet, medical costs in excess of $7,000, and no insurance, my wife and I decided if we got another dog we would make sure we purchased coverage. We choose ASPCA and our first experience was more than we...

Injury/illness
Claim Amount
Breed
Age of Pet
7
Out of 10
Posted: 03/31/2010
By:
Tony

I find the insurance ok. I had to add on level 2 with continuing care because it was very frustrating that alot of pre-existing conditions were not covered from one policy period to another.It got to a point where I was thinking about opting out because I...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 03/30/2010
By:
CJ

My 6 year old Shih Tzu had been through many eye problems since she was a puppy including a corneal graft and a flap. The vet bills were enoumous and I was able to arrange for financing. After that I knew they would not cover her for a pre existing...

Injury/illness
Claim Amount
Breed
Age of Pet
1
Out of 10
Posted: 03/30/2010
By:
Marcely

In my contract they say in clause that they would cover the expenses of spaying my dog.When I sent the claim for the coverage, with the receipt from the vet describing all the charges, they denied almost all of them, because other clauses said they would...

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 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.