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 51 814 4451

ASPCA Pet Health Insurance

8
Out of 10
Posted: 01/03/2008
By:
Nancy

I had VPI and the same experience with no pay or little pay. I have three shelties. I switched to ASPCA. After speaking to their representative for a long time he explained how they figure the charges and it definitely is better done this way than the...

Injury/illness
Claim Amount
Breed
Age of Pet
1
Out of 10
Posted: 12/23/2007
By:
Sarah

My Puppy was enrolled in ASPCA insurance and ended up having pretty severe allergies. For the first year ASPCA was pretty good about paying on my claims. HOWEVER after renewing my policy (I never missed a day of payments) they told me chronic conditions...

Injury/illness
Claim Amount
Breed
Age of Pet
6
Out of 10
Posted: 12/20/2007
By:
Mary

Although I have had a couple of negative experiences with Petshealth, I must say that they seem to be the ONLY pet insurance company willing to insure older pets. They will insure dogs up to 13 years and cats up to 15 years. They will even insure the...

Injury/illness
Claim Amount
Breed
Age of Pet
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...

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.