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 238 763 4989

ASPCA Pet Health Insurance

10
Out of 10
Posted: 11/04/2010
By:
Ann Grady

We have had Petshealth plans for both our dearly departed Great Dane Jackson an our current Dane.As Jackson aged, I anticipated his bills could increase and I was worried about being put into the horrible position many owners face...being forced to...

Injury/illness
Pneumonia
Claim Amount
$500 - $1000
Breed

Great Dane

Age of Pet
1 - 8
7
Out of 10
Posted: 11/04/2010
By:
Patti

We last used our pet insurance when our two year-old White Sheppard/English Setter mix cut her leg while on a walk in the woods. The laceration didn't look too bad, but would not stop bleeding. We had to take our dog to the emergency animal hospital near...

Injury/illness
skin laceration
Claim Amount
$100 - $500
Breed

Mixed Breed

Age of Pet
1 - 8
9
Out of 10
Posted: 11/02/2010
By:
Johanna

I recommend for everyone to look into pet insurance before they even purchase a pet. I waited a couple of months before I got it and now I wish I hadn't waited. I did not anticipate all the problems with my Pico but my pet insurance sure has helped...

Injury/illness

Ear Problem

Eye problem

Skin problem

Claim Amount
Over $1000
Breed

English Bulldog

Age of Pet
1 - 8
1
Out of 10
Posted: 10/30/2010
By:
Nila

I thought it would be the best insurance ever, since it has the name ASPCA, I was wrong. They didn't pay anything!!!! The reason they gave me was "Exclusion Code - 2", then they sent me a paper explaining it what it means and it was pre-existing (for my...

Injury/illness

Ear Problem

Heartworm, Fecal, exams, Vaccinations.
Claim Amount
$500 - $1000
Breed

American Shorthair

Age of Pet
Under a year
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.