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.

Average customer rating

9.0 Out of 10
60 Days 1 Year Lifetime
Rating 9.7 9.6 9.0
Count 129 778 4586

ASPCA Pet Health Insurance

10
Out of 10
Recommended
Posted: 04/15/2019
By:
Shirley Sartain

I have used other insurance companies in the past and they ended up letting me down when I needed them the most...the end of my dog's life. I switched to ASPCA with my new puppy and had a claim within a year. She had terrible allergies, an ear...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
8
Out of 10
Recommended
Posted: 04/15/2019
By:
Edward Mahon

I am happy with ASPCA's overall claims experience.. the service, professionalism and ease of doing business with (including friendliness). Amazing from that perspective. I also like the iphone app .. this makes my life easier.
My only wish is that...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 04/13/2019
By:
Tammy Caribo

When I purchased this insurance I never thought I would need it. Turned out I needed it for my Newfoundland puppy. The people have been great and the refund has been excellent. These is no long waiting for it.

Injury/illness
Claim Amount
Breed

Newfoundland

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.