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 9.3 9.6 9.1
Count 11 431 5540

ASPCA Pet Health Insurance

10
Out of 10
Posted: 06/16/2010
By:
Patricia Thompson

Dear Customer Service:
I have been very pleased with your pet insurance so far. The claims that I have had to file have been attended to promptly. I have also been very pleased with the reimbursements. I have told all my friends who have pets about your...

Injury/illness

Eye problem

Claim Amount
$100 - $500
Breed

Shih Tzu

Age of Pet
Over 8 years
1
Out of 10
Posted: 06/15/2010
By:
Karen

When my boxer was 6 months old, he hurt his back from the other boxer jumping on him. They did it again a month later. I took my dogs in for shots and he was checked out. No problems. I saw the pamplet for ASPCA insurance, so I got it. 2 months later, my...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 06/14/2010
By:
Kimberly

Last year after donating to the ASPCA I received information regarding their pet insurance and decided that it was finally time to sign up my two cats. They were both healthy at the time but one was getting older and I figured I'd rather have it and not...

Injury/illness
Claim Amount
Breed
Age of Pet
10
Out of 10
Posted: 06/12/2010
By:
Ann Merritt

We have had four dogs over the last 20 years - we currently have two labs - the youngest is Sadie. She is constantly getting into trouble. My sister calls her Marlene because she is a female "Marley" (mischievious, incorrigible, and totally lovable."...

Injury/illness
abrasions and others
Claim Amount
$100 - $500
Breed

Labrador 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.