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 9.1 9.6 9.0
Count 45 813 4452

ASPCA Pet Health Insurance

8
Out of 10
Recommended
Posted: 02/05/2019
By:
Daniel Crawford

I've had pet insurance for my dog ever since she had to undergo a surgical procedure at a fairly young age and I had to pay for everything. For most of the time I've had this policy, it hasn't been necessary. Fast forward to 8 vet visits over 2 months...

Injury/illness

Skin problem

Bladder

Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
1
Out of 10
Posted: 02/04/2019
By:
Heather

BUYER BEWARE!! ASPCA Pet Insurance does not offer "continuing care" for many pets. When my cat was diagnosed with cancer after being with them for years, they stopped covering any related care after a year. ASPCA Pet Insurance abandons you and your pets...

Injury/illness

Cancer

Claim Amount
Under $100
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 02/04/2019
By:
Lynn Neff

Happy to have emergency and preventive care insurance. We have used both options for our now 1year old dog. Helps to keep expenses down and also spreads out cost of routine vaccines/etc. reimbursement process is online and straightforward.

Injury/illness

Gastritis/vomiting

Claim Amount
$500 - $1000
Breed

Vizsla

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.