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 9.8 9.6 9.1
Count 68 874 5341

ASPCA Pet Health Insurance

8
Out of 10
Posted: 09/16/2010
By:
Mani

Our poodle had a rough 3 months with recurring infections and ended up having many tests and x-rays. ASPCA was very fair and decent in their reimbursements and gave us peace of mind that we could do what was needed--and she is finally well!

Injury/illness
infection
Claim Amount
Over $1000
Breed

Poodle

Age of Pet
1 - 8
9
Out of 10
Posted: 09/16/2010
By:
P Hayes

I am very happy with the service we received from ASPCA Pet Insurance. Our dog, Bear injured his CCL in May, 2010. He had surgery a few weeks later. I submitted the simple claim form to ASPCA and received our payment a few weeks later. There was no...

Injury/illness
CCL injury
Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
1 - 8
8
Out of 10
Posted: 09/15/2010
By:
Mary Lou T. Rothwell

I have 2 boston terriers who, thankfully, have been quite healthy. In the past 3-4 yrs. I have only had 3 claims. I like the choice of levels of coverage....my only disappointment (and I have not needed it yet) is that I did not understand about...

Injury/illness
Claim Amount
$100 - $500
Breed

Boston Terrier

Age of Pet
1 - 8
8
Out of 10
Posted: 09/15/2010
By:
Shawn

My dog had a significant case of Kennel Cough and we had to bring him to our vet. There were a few things that she had to look at and it wound up costing us a few hundred dollars. I am glad we had the ASPCA pet insurance because it did cover a significant...

Injury/illness
Kennel Cough
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.