Is ASPCA Pet Health Insurance Legit? Exploring Its Pros And Cons

In recent times, veterinary care costs have witnessed a notable surge, creating a hurdle for many pet owners when it comes to handling unexpected medical expenses.

Amidst this rising concern, ASPCA Pet Health Insurance has emerged as a widely adopted solution for those aiming to secure the financial well-being of their pets.

Before settling on an insurance plan, it is imperative to thoroughly evaluate its legitimacy, coverage specifics, financial considerations, and customer feedback.

This article explores these key factors, aiming to aid you in assessing whether ASPCA Pet Health Insurance is a suitable fit for both you and your beloved pet.

Is ASPCA Pet Health Insurance Legit?
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Is ASPCA Pet Health Insurance Legit?

ASPCA Pet Health Insurance is the outcome of a partnership forged between the American Society for the Prevention of Cruelty to Animals (ASPCA) and Crum & Forster Pet Insurance Group.

With a rich history dating back to 1866, the ASPCA stands as a distinguished animal welfare organization.

Teaming up with Crum & Forster, a company boasting an impressive A+ (superior) financial strength rating from A.M. Best, ensures the authenticity and financial robustness of ASPCA Pet Health Insurance.

ASPCA Pet Health Insurance Coverage Options

ASPCA Pet Health Insurance offers a range of coverage options tailored to diverse needs and financial considerations. Let’s delve into the details:

  1. Accident-Only Coverage: This plan specifically addresses incidents such as broken bones, cuts, and ingestion of harmful substances. It stands out as an economical choice for pet owners primarily seeking coverage for unforeseen accidents.
  2. Accident & Illness Protection: This comprehensive plan goes beyond accidents to encompass various illnesses, including cancer, arthritis, and hereditary conditions. It provides pet owners with a more extensive peace of mind regarding their pet’s overall health.
  3. Wellness Care Extension: By reimbursing routine preventive care expenses like vaccinations, spaying and neutering, and annual checkups, this add-on promotes preventive healthcare. Pet owners can benefit from savings on regular vet visits through this proactive approach.
  4. Behavioral Therapy Supplement: Covering the costs of behavioral therapy sessions, this add-on aids pet owners in addressing issues such as anxiety, aggression, and separation anxiety. It contributes to fostering a positive and balanced behavior in pets.
  5. Alternative Therapies Expansion: This addition caters to pet owners open to alternative approaches for managing their pet’s health. It includes coverage for treatments like acupuncture, hydrotherapy, and chiropractic care, offering a holistic perspective on pet well-being.

Financial Strength and Ratings of ASPCA Pet Health Insurance

Is ASPCA Pet health insurance legit
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ASPCA Pet Health Insurance not only showcases financial robustness but also maintains a commendable track record in promptly settling claims.

Consequently, this positions it as an excellent choice for pet guardians who are in search of a dependable and reputable pet insurance provider.

Financial Strength

ASPCA Pet Insurance is underwritten by Crum & Forster Pet Insurance Group, a subsidiary of Crum & Forster Holdings Corporation (CF). CF, a substantial insurance holding company, boasts a robust financial track record and is known for its prompt claims settlements.

CF’s key financial strength indicators include:

  • A.M. Best Rating: A+ (Superior)
  • Financial Size Category: Class IX
  • Total Assets: $20.6 billion
  • Surplus: $6.2 billion

These metrics underscore CF’s solid financial foundation, indicating its capability to fulfill financial obligations effectively in the foreseeable future.

ASPCA Pet Health Insurance’s Ratings

Is ASPCA Pet Health Insurance Legit?
ASPCA, a respected animal welfare organization since 1866, and Crum & Forster, boasting an A+ financial strength rating from A.M. Best, ensure the legitimacy and financial stability of ASPCA Pet Health Insurance: Photo source (Reddit)

ASPCA Pet Insurance has garnered favorable assessments from diverse independent review entities. Noteworthy acknowledgments include:

  1. U.S. News & World Report: Achieved a shared No. 5 position in their evaluation of the top Pet Insurance Companies for 2023.
  2. NerdWallet: Earned a commendable rating of 4 out of 5 stars.
  3. ConsumerAffairs: Boasts an impressive 4.8 out of 5 stars, derived from a substantial pool of over 4,500 reviews.
  4. TrustPilot: Maintains a solid reputation with a 4.7 out of 5-star rating, reflecting the positive sentiments of more than 2,200 reviewers.

Customer Reviews and Feedback

ASPCA Pet Health Insurance generally garners positive reviews from its customers.

According to ConsumerAffairs, the company proudly holds an impressive 4.8 out of 5-star rating, derived from more than 4,500 reviews.

Users are pleased with the company’s user-friendly approach, varied coverage options, and prompt customer support.

However, despite the overall satisfaction, a minority of customers have voiced concerns about elevated premiums and occasional delays in the processing of claims.

Read more: Is Salvasen Health Insurance Legit?

Benefits of Choosing ASPCA Pet Health Insurance

  1. Tranquility Assured: Opting for ASPCA Pet Health coverage brings peace of mind, ensuring your pet’s coverage for unforeseen veterinary expenses.
  2. Financial Safeguard: This insurance plan provides a safety net, shielding your budget from the unpredictability of medical costs.
  3. Proactive Care: Comprehensive coverage encourages preventive measures, enabling early detection and treatment of potential health issues in your beloved pet.
  4. Enhanced Accessibility: With insurance in place, costly treatments and specialized care become more attainable, guaranteeing your pet receives the necessary attention.
  5. Supporting Animal Welfare: Choosing ASPCA Pet Health coverage not only protects your pet but also contributes to the ASPCA’s noble mission of animal welfare. A portion of your premium aids in supporting their initiatives.

ASPCA Pet Health Insurance: Pros and Cons


  • Legitimate option for pet insurance.


  • Higher premiums for older pets or breeds prone to health problems.
  • Limited coverage for certain pre-existing conditions and hereditary issues.
  • Potential delays in claim processing.
  • Monthly payment fee adds extra cost for pet owners.

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