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 9.2 9.6 9.0
Count 53 872 4397

ASPCA Pet Health Insurance

9
Out of 10
Recommended
Posted: 11/29/2018
By:
Bernard F Schoen Jr

I have had the ASPCA pet insurance for the past several years now and I find it helpful in respect of making sure I take my pets into the vet whether for routine visits or the occasional illness visit. Things have become more and more expensive these days...

Injury/illness
bacterial Infection
Claim Amount
$500 - $1000
Breed

Mixed Breed

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 11/29/2018
By:
Janice

Recently, my older Bichon had two emergencies, one of which required unexpected surgery. Dog surgeries aren't cheap. And this came out of the blue. I submitted my dog's medical receipts, and ASPCA Insurance sent me a very nice check to cover a portion....

Injury/illness
-1- tooth absess requiring tooth removal;
Claim Amount
Over $1000
Breed

Bichon Frise

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 injuries or preventive care. Coverage begins 14 days after date listed on policy for illnesses and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered.

ASPCA Pet Health Insurance has three 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.

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.