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 242 779 5083

ASPCA Pet Health Insurance

4
Out of 10
Posted: 08/04/2008
By:
Judith Zinn

I have two dogs and three cats insured by Petshealth and amlooking for new carrier. Their pre-existing condition
clause is a deal-breaker; moreover, they refuse to cover
dental disease of any type . My greyhound had severe dental disease and, only after...

Injury/illness
Claim Amount
Breed
Age of Pet
3
Out of 10
Posted: 07/21/2008
By:
disappointed

Filed our first claim on 6/26/2008, it is now 7/21/2008...the status only shows "received", not even "processing". The brochure claims payments in 14 days! We called and they claim they are behind and are bringing in more people to assist. Also, our...

Injury/illness
Claim Amount
Breed
Age of Pet
2
Out of 10
Posted: 06/29/2008
By:
Phyllis Fineberg

They beat around the old bush and took their time, initially, my daughter failed to give my name when she brought Sampson the cat to the vet (he had sprung a fever) they had the policy number!!!!, yet this little bit of confusion caused them WEEKS of...

Injury/illness
Claim Amount
Breed
Age of Pet
1
Out of 10
Posted: 06/29/2008
By:
Mary Ann

I have had three pets insured with this company since 2000. Somewhere along the line they changed their wording as they went from underwriter to underwriter. Avoid them like the plague. I now have a complaint pending with the Maine Bureau of Insurance and...

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.