ASPCA | Pet Insurance Review

4.5

out of 5

Number of reviews 11,818

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.
5

out of 5

POSTED: | BY: Edward Freedman

They took care of a lot of my bill I…

They took care of a lot of my bill I have a puppy that had nothing done to her so her first appointment was recent
5

out of 5

POSTED: | BY: EMILY

Easy to file claims

Easy to file claims. Prompt return of money. I highly recommend them!
1

out of 5

POSTED: | BY: Forrest White

Insurance is an business sheme, more than it is a service.

Been paying for this insurance for over two years and have yet to actually put it to use. The cost per year would have been enough to cover the annual expenses for all the standard shots, dewormers, and tick / flea preventatives which by the way are not covered here. Attempted submitting a claim for this stuff. It only lists options for new injuries, new illnesses, or micro-chipping. Even if I could submit one, it wouldn't kick in until I have paid twice what I am already paying this company in a years time ($500). And to add to it all, despite never having to use insurance fortunately, the monthly premium went up another ten dollars in 2025. "Gotta pump up those numbers, rookie!" The greed is obvious and I am sick of it... To any animal owner reading this, I would suggest shopping around. Find out what is the best value and what will cover your pets needs. Not that you don't already do this, but more importantly - Love your animals, give them some freedom, keep your pets healthy and active, as well as a variety of food options throughout life if possible. Take care.
5

out of 5

POSTED: | BY: Kim L

Excellent insurance for us

In the many years that we have had insurance thru ASPCA, I have always had helpful people who have assisted me with adding new dogs, questions about insurance policies and anything that I needed. I would recommend ASPCA to those looking to insure their pets as they go thru the process of deciding which insurance to choose.

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.

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