ASPCA Pet Health Insurance Information

ASPCA Pet Health Insurance logo
The ASPCA® Pet Health Insurance program has easy account management through its Member Center, where policyholders can submit and track claims, find nearby vets, sign up for direct deposit, and review benefits. Policies are administered by C&F Insurance Agency, which has operated as a trusted provider in the U.S. since the 1990s.
Get Cash Back, Fast: Sign up for direct deposit to get your claim payments even faster--saving you time and a trip to the bank.
Money back guarantee for 30 days if no claims are processed.
Save $24 on transactions fees per year if you pay annually instead of monthly, and save 10% for each additional pet you enroll after your most expensive pet.
Lets you choose your own vet.
Will not raise the price of your policy after you file a claim.
Like all pet insurance companies, they can not cover pre-existing conditions.

Good Information To Know

Important Pet Insurance Information
Policy Duration
Payment Plan Frequency
Monthly, Quarterly, Semi-Annual, Annual
Payment Transaction Fee ($)
Minimum Age Eligibility To Enroll (Weeks)
Change Of Insurance Ownership Allowed
Residency Requirement
Geographical Coverage
United States, Guam, Puerto Rico, U.S. Virgin Islands, Canada
Vet Direct Pay

Customer Service Information

Customer Support Helping Person With Pet Insurance
Customer Service Hours - Sales
Monday to Friday, 8:00am – 9:00pm EST Saturday, 9:00am – 5:00pm EST Sunday, 11:00am – 3:00pm EST
Customer Service Email - Sales
Customer Service Phone - Sales
Customer Service Hours - Veterinary
Monday to Friday, 9:00 am – 5:00 pm
Customer Service Email - Veterinary
Customer Service Phone - Veterinary

Discount Opportunities

Pet Insurance Savings
You can apply for these discounts once you complete the booking flow on Pawlicy and are redirected to ASPCA Pet Health Insurance.
Multi-Pet Discount

What's Covered

Accident-Only Coverage
Complete Coverage
Breed-Specific Conditions
Alternative Therapies
Prescription Medications
Prescription Foods for Covered Condition
Exam Fees for a Covered Occurrence
Diagnostic Scans
Poison Control Consultation Fees
Stem Cell Therapy
Supplements - Covered Condition
Veterinarian's Labor Costs
Choose Reimbursement Rate
Cremation or Burial

Add-On Coverage

Basic Preventive Care
Prime Preventive Care
Health Certificate
Protective Health
Spay and Neuter
Routine and Preventive Dental Cleaning
Wellness Exam Fees
Diagnostic Wellness Tests

What's Not Covered

  • Prescription Foods for General Health
  • Taxes
  • Supplements - Preventive and General Wellness
  • Lost Pet
  • Third-Party Liability Coverage - Health
  • Third-Party Liability Coverage - Property Damage
  • Boarding Fees During Your Hospitalization
  • Vacation Cancellation Costs
  • Anal Gland Expression
  • Breeding, Pregnancy, Whelping or Nursing
  • Conditions That Occur During the Waiting Period
  • Cosmetic and Elective Procedures
  • Experimental or Investigational Treatment
  • Grooming
  • Herbs
  • House calls
  • Illness or Injury from Intentional or Negligent Activities
  • Non-Veterinary Administrative Services
  • Veterinary expenses related to coursing, law enforcement, guarding, personal protection, or racing.
for full list of terms and exclusions visit

Claims Reimbursement

To submit your claim, the following information is needed:
Your name, address, contact information, and signature on the claim form. A description of the condition and treatment you are claiming. All applicable receipts including an itemized breakdown of the fees incurred.
Claim Expiration Date: 270 Days
Claim Reimbursement Average Timeline: 9 Days
Claim Reimbursement Longest Timeline: 30 Days

Cancellation Information

The ASPCA Pet Health Insurance program has next-day cancellation with pro-rated refund depending on if you have received a claim. Cancellation may be dependent on you providing 60-day notice to the insurance company.
The ASPCA Pet Health Insurance program renews policies and has continuous coverage over the lifetime of a pet so long as the pet owner does not break the rules of ASPCA's contract.
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Preventive and Wellness Care reimbursements are based on a schedule. Illness and accident coverage reimbursements are based on the invoice. Products, schedules, 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. 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.
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. 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. Crum & Forster Enterprise is a part of Fairfax Financial Holdings Limited. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.

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ASPCA Pet Health Insurance

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