ASPCA Pet Insurance for Dog & Cat

Why Our Users Picked It:

Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.

Pros & Cons:

• Simple and streamlined claims process
• Awesome customer service
• Extensive coverage of many conditions and treatment options
• Some of the most affordable premiums in the space
• No special waiting periods for cruciate ligament issues or other specific conditions
• Limited choices of deductible
• Highest annual coverage option is only $10,000 (other providers offer unlimited annual coverage)

Plan Limits

• Per Condition Limit Unlimited
• Lifetime Limit Unlimited
• Deductible Type Annual
• Direct Pay

What is Covered?

• Accident and Injury Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Hospitalization Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Rehabilitation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Continual Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Emergency Visits Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Surgery Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Congenital or Hereditary Conditions
• Cancer Treatments
• Dietary Supplements Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• End of Life: Burial and Cremation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Illness
• Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Prosthetics
• End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Bilateral Conditions Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
• Vet Exam Fees Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Organ Transplants Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
• Lab Tests Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Behavioral Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

Plan Summary

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 CoverageSM plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.