ASPCA Pet Health Insurance Reviews, Costs & Coverage

ASPCA Pet Health Insurance


ASPCA Pet Health Insurance is provided by Crum & Forster Pet Insurance Group™ through it's licensed agency, C&F Pet Insurance Agency, Inc. United States Fire Insurance Company, a Crum & Forster Company, has been the underwriter of the pet insurance products since 2006. In the past 20 years, through their insurance underwriters, they've insured more than 400,000 dogs and cats. The ASPCA® does not provide insurance.

ASPCA Pet Health Insurance is definitely worth looking into if you want pet insurance that stems from a company that cares. You can get the right plan at a price that's right for you with customizable plan options.

What They Cover

ASPCA Pet Health Insurance plans have coverage that allows pet owners to seek early treatment for their pets before a small issue becomes more serious. They also have coverage for the essential care a pet owner could want, such as hospitalizations, cancer treatment, diagnostic tests, accidents, illness, injuries, and prescriptions.

Pet owners will also be happy to know that they cover hereditary and chronic conditions.

As an optional add on, they also offer great wellness options for as low as $9.95 per month, which can include a dental cleaning, vaccines, flea & tick meds, coverage for spay/neutering and more.

What They Don't Cover

As with any pet insurance company, there are a few things that are not covered with ASPCA Pet Health Insurance, namely:

  • Pre-existing conditions
  • Breeding or pregnancy
  • Supplements
  • Unethical Procedures (tail docking, ear cropping, etc.)
  • For a full list of exclusions see their sample policy.
Plan Coverage Options

The ASPCA Pet Health Insurance program realizes the value of providing quality pet insurance at affordable prices to ensure pets can receive the care they need when they need it, rather than having money dictate the health of a pet. They offer a good range of policies, deductibles, and limits. Their deductibles are set per year and can be chosen from $100, $250 and $500. Reimbursement percentage options can be in amounts of 70%, 80%, or 90%, and annual policy limits range from $5,000 to unlimited. Their lifetime limits are also unlimited. Below is a summary of benefits for the Complete Coverage℠ plan.

  • $100
  • $250
  • $500
  • 70%
  • 80%
  • 90%
Policy Limits
  • $5,000
  • Unlimited
Policy Coverages
Deductible Type Per Year
Deductible Options $100 - $500
Reimbursement Options 70% - 90%
Policy Limit Options $5,000 - Unlimited annually
Lifetime limits Unlimited up to policy
Wellness Cover Cost $9.95 - $24.95 per month
Accidents & Illnesses
Vet Exam Fees
Rx Medications
Emergency Visits
Cancer Treatments
Outpatient Care
Alternative Therapies
Waiting Periods
Policy Coverage Starts At midnight after sign up
Accidents There is a 14 day waiting period
for coverage
Illnesses 14 days after policy starts*
Average Reimbursement Time 14 days after claim
Compare Pet Insurance
How much will I get back from ASPCA Pet Health Insurance?

As mentioned, ASPCA Pet Health Insurance plans have great choices of options for coverage, and here are 3 examples of how much you'll get back for a covered condition:


Example 1

Your dog develops a kidney infection and the vet bill includes lab tests, one night stay for observation, and then expensive medicine to cure the infection. Total, covered costs $2,940. If you have a deductible of $100 and a reimbursement rate of 80%, you can expect to get back $2,272.

$2,272 Total Back

Example 2

After taking your dog to the vet for a bad limp, it is determined she needs ACL surgery to fix a severe tear. The surgery plus the pain medicine after is going to cost $8,445. If you have a $250 deductible and 90% reimbursement, you will get back $7,375.

$7,375 Total Back

Example 3

Your cat ingests a parasite that requires a 3 night stay at the pet hospital and a stomach pump that costs $5,675. Thankfully, with ASPCA Pet Health Insurance you have a $250 deductible and an 80% reimbursement rate, meaning you will get back $4,340.

$4,340 Total Back
How much does ASPCA Pet Health Insurance cost?

Well as you may imagine, the cost of pet insurance depends on a few key variables: the breed of your pet, their age, and where you live. After that, it's down to you how much coverage you want, how big (or small) a deductible you want to pay and how much of a reimbursement (the amount you get back after the deductible is paid) you select.

To see all of ASPCA Pet Health Insurance's plan options, click here to compare pet insurance plans, but here are a couple of examples:

Breed: Dalmatian
Age: 3 years
Zip code: 98260
$10,000 coverage
$250 Deductible
90% Reimbursement
Plan Cost $66.20 Per Month
Breed: Maine Coon Cat
Age: 1 year
Zip code: 98260
$5,000 coverage
$100 Deductible
80% Reimbursement
Plan Cost $30.62 Per Month

What do pet owners say about ASPCA Pet Health Insurance?

Very Good
5 star
74% Complete (success)
4 star
16% Complete (success)
3 star
7% Complete (success)
2 star
3% Complete (success)
1 star
0% Complete (success)

In terms of reviews, customers love how much ASPCA Pet Health Insurance truly cares about animals and the level of care they receive with ASPCA Pet Health Insurance. They have an average review score of 4.6/5 for great customer service and follow-up after a claim. See reviews from ASPCA Pet Health Insurance customers below.

ASPCA cares about owners and pets!

I wish I would have known about ASPCA's insurance sooner. I would have bought it for my first dog since it would have helped with the vet bills racking up at the end of her life.I learned my lesson and shopped around for insurance when we got our new pup Eliot last year. I did tons of research on different policies provided and finally settled on ASPCA. So far, they have been very reliable whenever I have submitted a claim, covering costs exactly as my plan outlines. They even follow up with a phone call after to make sure your pet is doing good. They definitely show great customer service, and I would recommend them to any pet owners who don't have coverage.

Utah - puggle
Insurance with heart.

I was completely surprised by how much an insurance could care about a pet. ASPCA goes the extra mile to make me feel like my pet's welfare is actually their top priority and not money.

Maryland, Border Collie
Awesome Follow up!

WE submitted a claim a while back when our dog somehow got into my son's Halloween candy and ate I don't know how much chocolate andwe got really nervous thankfully the vet was open and able to give meds and treat our dog before anything really bad happened my kids would have been devestated if something happened after all was said and done our invoice from vet was in the hundreds and with the holiday coming up we didn't have that kind of extra cash but thankfully ASPCA saved us by reimbursing us quick and with very litte struggle They even called a couple weeks after to see how our dog was doing! That's great service to me

Utah, black lab
Good policy limits.

I like that ASPCA insurance offers so much options for limits and deductibles, you really can customize the policy to exactly what you need, I think there are 3 dedutable choices and like 5 or 6 limits choices.

Kentucky, Golden Retriever
Every pet owner should call ASPCA for a plan.

My mom got really sick a while back and needed a way to cut costs with all the extra medical bills pouring in, so we decided that I would take her dog, Max, to give her peace of mind that the dog would be okay. Being in just a beginner job, however, I wasn't ready for the monetary burden an animal can cause. I've always loved Max and when he came to live with me it was like he was always my own, but each vet visit drained my extra spending money. I am so thankful that on the last visit, the vet tech told me to look into pet insurance and said she knows a bunch of friends who are happy with ASPCA. I called them up that day and they helped me get a policy immediately!

They were patient and helped walk me through the whole process and made sure to help me find a policy that was best for Max since he is already 6 but that also isn't too expensive for me. I've submitted two claims so far and it couldn't have been easier. I feel so much calmer knowing I can give Max what he needs and also knowing I'm not letting down my mom. It's also one less thing she has to worry about.

California, Maltese
See how ASPCA Pet Health Insurance compares
Bonus Points

Shopping for pet insurance policies can definitely be stressful. We've all heard horror stories of policies too good to be true, so it's a breath of fresh air to have an insurance company that truly wants to help and cares about the animals they serve . Here at Pet Insurer, we also love that there are no networks with ASPCA Pet Health Insurance - you can visit any licensed vet in the US, its territories and Canada with no issues - and they offer a 30-day money back guarantee (except in NY) if you aren't fully satisfied. An ASPCA Pet Health insurance plan is a big step in the right direction toward keeping your pet strong and healthy as long as possible.