ASPCA Pet Health Insurance Review StaffJan. 03, 2019

In a Nutshell

ASPCA Pet Health Insurance program offers Complete Coverage℠ including nearly any health concern you may have for your furry friends. Take care of your pets and receive up to 90% back from ASPCA with customizable coverage including cancer, hereditary conditions, behavioral issues and dental disease.


  • Covers exam fees for accidents and illnesses
  • Freedom to visit any vet or specialist


  • Annual limits apply
  • Preventive care coverage is an optional extra


ASPCA Highlights

  • Up to 90% reimbursement on vet bills
  • Options to customize
  • 30-day money-back guarantee if no claims are covered
  • Annual deductible, not per incident
  • Multiple pet discount

What’s Covered by Your Pet Insurance Policy 

Complete Coverage includes exams, diagnostics, and treatments, including alternative therapies for accidents, illnesses, cancer, hereditary conditions, behavioral issues, and dental disease. Coverage is available for the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem cell therapy and acupuncture.

You can choose your reimbursement percentage with options of 70%, 80%, or 90%. If you select the recommended 90% option, you would get reimbursed 90% of all covered costs after you met your annual deductible. 

You can add preventive care coverage to your plan for a low additional monthly cost. There are several options, which have a list of covered services that can include annual exams, vaccines, yearly dental cleanings, heartworm/flea prevention, and more. You get reimbursed a set amount for each service.

You can also choose accident-only coverage if you only want to get reimbursed for injuries.

Limits and Deductibles

Complete Coverage℠  does not have lifetime or per incident limits. However, it does have an annual limit. You can pick your annual limit with choices from $5,000 to unlimited. If you reach this amount during your plan year, you will no longer be eligible for reimbursements until it resets. It resets each year on the date your plan is re-issued.

You can also select your annual deductible with options of $100, $250, or $500. Some providers have a per incident deductible that needs to be met every time your pet has incident, but ASPCA’ Pet Insurance's yearly deductible only needs to be met once

The reimbursement percentage is the percentage of covered costs reimbursed after the deductible is met. ASPCA Pet Health Insurance program offers 70%, 80% or 90% options.  

There is no annual limit or deductible for preventive care coverage. Preventative Care reimbursements are based on a schedule.  

Value for Money

Because Complete Coverage℠  offers such comprehensive coverage, it can come at a higher price. However, you can adjust your premium by customizing your coverage. For instance, choosing different annual deductible or reimbursement amounts can change your monthly premium.

Age Limits

All cats and dogs 8 weeks old and up are eligible for coverage. There are no upper age limits so older pets are eligible for coverage too.


The Fine Print: What’s Excluded

Complete Coverage℠  does not cover pre-existing conditions.

However, an injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee and ligament condition occurs before the coverage effective date or during a waiting period, any future ones won't be covered. It also does not cover elective procedures, such as tail docking, ear cropping, and claw removal or the costs associated with breeding or pregnancy. 


Complete Coverage℠  is an excellent choice for individuals who want more comprehensive coverage for their four-legged family member with the flexibility to customize their plan. It offers coverage for behavioral treatment and dental work, as well as hereditary and congenital conditions with adjustable monthly premiums based on deductible and reimbursement amounts.


Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Products, rates and discounts may vary and are subject to change.

The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018. StaffJun. 18, 2019
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