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 9.5 9.0
Count 73 766 4507

ASPCA Pet Health Insurance

2
Out of 10
Posted: 02/02/2008
By:
JP

I'm going to take part of the responsibility here in that we were naive to the number of pet insurance companies out there and just went with ASCPA because of who they were affiliated with. Big mistake. We signed up for our insurance in June. We went...

Injury/illness
Claim Amount
Breed
Age of Pet
2
Out of 10
Posted: 01/22/2008
By:
J Mayer

I really hate this company. They have some crazy "pre-existing" condition policies that get sprung on you when you least expect (or can afford) it... basically, they claim that ANY condition that has EVER been filed (and how many times might you have a...

Injury/illness
Claim Amount
Breed
Age of Pet
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
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.