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 5.7 9.3 9.1
Count 6 158 5571

ASPCA Pet Health Insurance Reviews

10
Out of 10
Recommended
Posted: 01/20/2021
By:
Lisa Ann
Heaney

The representative Torey was exceptional. She answered all of my questions and I had a lot and helped me make an informed decision thank you very much..

Injury/illness
Claim Amount
Breed

Yorkie Poo

Age of Pet
Under a year
8
Out of 10
Recommended
Posted: 01/15/2021
By:
Sandra
Nitschke

So in the past month we have had to submit numerous claims for our dog. Our claims are still being processed and it had taken a bit longer than usual. I called today to inquire and get an update on my claims. I had the pleasure of speaking with Nancy...

Injury/illness
Claim Amount
Breed

Boston Terrier

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 12/23/2020
By:
Joanne
Dean

I have had this insurance since 2006 when I had 1 pup- Now I have three pups and I am confident they are well taken care of with ASPCA. I never had a problem with a claim and always got reimbersed in a short time.

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
Over 8 years
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.