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 174 772 4690

ASPCA Pet Health Insurance

2
Out of 10
Posted: 04/29/2008
By:
Sharlene

This pet insurance does not cover chronic conditions that manifested in the previous year into the new policy year. They treat it as PRE EXISTING!! I had a 11 year old samoyed who developed kidney disease and when the policy renewed they no longer...

Injury/illness
Claim Amount
Breed
Age of Pet
2
Out of 10
Posted: 04/02/2008
By:
Patricia Rethemeyer

I have been with ASPCA for over a year, I have three pets on the plan.My cat had developed hyperthiroidism in Nov. of 2007 and was put on medication which is not hepling,he had to be on it for three months to regulate the thiroid before surgery could be...

Injury/illness
Claim Amount
Breed
Age of Pet
2
Out of 10
Posted: 02/14/2008
By:
Carolina Rivera

This plan seems like a great plan at first, I chose the Advantage plan, which covers spay and neuter which can be so expensive and you get routine coverage as well as accident. However, once I submitted my claim for reimbursement, I was surprised at how...

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.