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 9.6 9.6 9.0
Count 128 743 4752

ASPCA Pet Health Insurance

9
Out of 10
Recommended
Posted: 06/20/2019
By:
Wayne Taylo

Thank goodness I had the forethought to get this insurance when my cat was a kitten. He was diagnosed with EPI recently and the insurance has paid towards every claim thus far. However, someone does call from customer service to check on your pet’s...

Injury/illness
Claim Amount
Breed

Siamese

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 06/20/2019
By:
Karen Gangloff

Can’t say enough good things about this insurance. So easy to submit a claim using the app and I kid you not they are finalized and paid in a matter of days. My dog has been sick with many claims lately and they are paid with no problems.

Injury/illness
Claim Amount
Breed

Pit Bull

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 06/20/2019
By:
Gail Sluzewski

I am pleased with ASPCA. When I first investigated ASPCA they explained the program and how it works. The program has worked as explained and with a doberman with cancer I have worked with their Customer Service multiple times. I have recommended this...

Injury/illness
Claim Amount
Breed

Doberman

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.