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 168 778 4678

ASPCA Pet Health Insurance

9
Out of 10
Posted: 05/12/2010
By:
Amy

I have been a member of Petshealth Insurance for over 10 years. It has proven to be a very trustworthy insurance company. I have submitted many claims over the years fo my three dogs, and this company has come through when we needed them the most. My...

Injury/illness
Claim Amount
Breed
Age of Pet
7
Out of 10
Posted: 05/12/2010
By:
Darlene

I have two Bostin Terriers and they are quit active.Since we adopted them, we have had a few issues, from a scratched eye on one to bowel obstruction on the other. So far, ASPCA has covered all. It has been nice to not worry too much about vet bills....

Injury/illness

Eye problem

Gastritis/vomiting

bowl obstruction
Claim Amount
Over $1000
Breed

Boston Terrier

Age of Pet
Under a year
8
Out of 10
Posted: 05/12/2010
By:
debbie mcleod

don't cover all of er expenses, but we have had a lot of claims in the last year- 2 from dog bites b/c my inconsiderate neighbors let their dogs roam off leash unnattended! We were glad to have some reimbursement- also help[ed with end of life treatment...

Injury/illness

Cancer

Claim Amount
$500 - $1000
Breed

Siamese

Age of Pet
Over 8 years
10
Out of 10
Posted: 05/12/2010
By:
LEON

I HAVE HAD OTHER INSURANCES ON MY PET BUT ASPCA IS THE BEST YET. ASPCA HAS REEMBURSED ME FOR MY VET BILLS WERE THE OTHERS SAID IT WAS NOT COVERED. MY VET EVEN SAIDS HE WOULD RECOMEND THAT EVERYONE SHOULD HAVE INSURANCE ON THERE PET. ASPCA IS LESS...

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.