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 231 766 4981

ASPCA Pet Health Insurance

10
Out of 10
Posted: 10/08/2008
By:
Pamela

We have a one year old Bernese Mountain Dog. He became very ill with lyme disease. Our local vet , on our first puppy visit with him , highly reccomended ASPCA Pet Insurance. Thank goodness!! The bills were over $2000, as he was in ICU for a week. We...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 09/27/2008
By:
dave

They have different plans to choose from. There's a $100 deductible followed by 80% coverage. Covering medicines requires a higher plan. We went with the advantage plan which does not cover the medicine however covers everything else including everying...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 09/25/2008
By:
Ashlon

All of my 7 claims that I had with my two puppies have been received and refunded appropriately. Every time I call customer service or email, I always receive kind customer service and accurate information that I am asking about.
Thanks Aspca Pet...

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.