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 9.4 9.5 9.1
Count 249 775 5070

ASPCA Pet Health Insurance

7
Out of 10
Posted: 12/11/2010
By:
Sonia Dunn

Our dog Vodka had an hemorragic gastro-enteritis and was very sick ! She had to stay at the animal hospital for 4 days then had to come back etc... It costs us in a few days a fortune but the ASPCA reimbursed us a comfortable share of it. The claims were...

Injury/illness

Gastritis/vomiting

Enteritis/diarrhea

Claim Amount
Over $1000
Breed

Coton De Tulear

Age of Pet
Over 8 years
9
Out of 10
Posted: 12/10/2010
By:
Kelly

I purchased pet insurance on the advise of a friend, when I got our first family dog, Micky. I never want to have to have a conversation with my young daughter, because we had to weigh the cost of any medical procedure for our pet. My mischevious little...

Injury/illness

Gastritis/vomiting

Claim Amount
Under $100
Breed

Beagle

Age of Pet
1 - 8
9
Out of 10
Posted: 12/10/2010
By:
Rachel Levine

When Baxter adopted us two years ago, my husband and I had gone back and forth about getting coverage for him. In the end I went with my instincts and purchased the plan. I had previously spent over $1500.00 on a surgery for one of my other cats when he...

Injury/illness

Renal (kidney)

diabetes
Claim Amount
Over $1000
Breed

Domestic Shorthair

Age of Pet
1 - 8
10
Out of 10
Posted: 12/09/2010
By:
Jane Sokolow

I have had a very good experience with ASPCA health insurance since I started purchasing it three years ago. For years I had only cats and didn't bother with insurance - and indeed, it would not have been cost effective. But then I got a dog and boy, am I...

Injury/illness

Bladder

Claim Amount
$100 - $500
Breed

Golden Retriever

Age of Pet
1 - 8
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.