ASPCA Pet Health Insurance
ASPCA Pet Health Insurance is a monthly pet insurance membership, not a free trial.
Exit grade D: There is no self-serve online cancel button. You cancel by emailing customer care or calling 1-866-204-6764 to speak with a representative, so leaving means contacting them directly.
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ASPCA Pet Health Insurance: ASPCA Pet Health Insurance is a monthly pet insurance membership, not a free trial. A credit card is required to start. Cancelling is hard - about 12 minutes. Our take: ASPCA Pet Health Insurance pairs a widely recognized, trusted brand name with budget-friendly entry premiums and flexible options, including a rare 100 percent reimbursement choice in some cases.
Last verified: July 22, 2026
On aspcapetinsurance.com
Our take
ASPCA Pet Health Insurance pairs a widely recognized, trusted brand name with budget-friendly entry premiums and flexible options, including a rare 100 percent reimbursement choice in some cases. It is a solid mainstream pick. The honest thing to know up front is that the ASPCA name is licensed: the policies are underwritten and administered by the Crum and Forster group, not the ASPCA charity, and cancellation is by phone or email rather than self-serve. Track your renewal here and we send a reminder before each one, so nothing surprises you.
ASPCA Pet Health Insurance at a glance
| Complete Coverage plan | |
|---|---|
| Typical monthly premium | Dogs about $25 to $100, cats from about $16, varies widely |
| Reimbursement options | 70%, 80%, or 90% (100% in some cases) |
| Annual deductible | $100, $250, $500, or $750 |
| Annual payout limit | $5,000 up to Unlimited |
| Waiting periods | 14 days accident and illness (incl. knee/ligament) |
| Wellness / preventive | Optional Preventive Care add-on |
| Key exclusions | Pre-existing conditions; routine care unless add-on purchased |
| Cancellation | Email or phone 1-866-204-6764 - no self-serve online |
Researched July 2026. Premiums vary by species, breed, age, and ZIP - honest ranges, not a quote. Underwritten by the Crum and Forster group, not the ASPCA charity.
What you get
The ASPCA Pet Health Insurance Complete Coverage (accident and illness) plan
Included · 5
Accident and illness coverage with diagnostics, procedures, surgery, and medications for covered conditions
Your choice of 70, 80, or 90 percent reimbursement, with a 100 percent option in some cases
An annual deductible from $100 to $750 and an annual limit from $5,000 up to Unlimited
An accident-only tier for a lower-cost option
An optional Preventive Care add-on for routine services like exams and vaccines
Worth knowing
Pre-existing conditions - excluded, as with every carrier
Routine care in the base plan - it needs the optional Preventive Care add-on
Underwriting by the ASPCA charity - the name is licensed, and coverage is underwritten by the Crum and Forster group
Coverage during the 14-day waiting period, which also applies to knee and ligament conditions
A flat premium - rates rise with age and vet-cost inflation
The honest data
By the numbers
- Pricing
- ASPCA Pet Health Insurance is a monthly pet insurance membership, not a free trial. Worth stating plainly: the ASPCA name is licensed, and the insurance is underwritten by the Crum and Forster group (including Independence American) and administered by C and F or PTZ Insurance Services, not by the ASPCA charity itself. Premiums vary by species, breed, age, and ZIP. Researched July 2026: dogs commonly run about $25 to $100 a month, with cats from around $16 a month at a $500 deductible, 80 percent reimbursement, and a $5,000 annual limit. You choose 70, 80, or 90 percent reimbursement (100 percent in some cases), an annual deductible ($100 to $750), and an annual limit from $5,000 up to Unlimited. Routine care is a separate optional Preventive Care add-on.
- Card required
- Yes
- Cancellation
- Hard
- Time to cancel
- ~12 min
Around the web
What others say about ASPCA Pet Health Insurance
Curated outside takes. We don't edit them, we just point at them.
At a glance
2 reviews from 2 sources
Topline: Mixed
1 positive1 mixed
Our read across dimensions
- Product quality
- Value
- Cancellation
- Honest billing
- Customer support
Reviewer
U.S. News
ASPCA Pet Health Insurance Review for 2026
“Credits budget-friendly entry premiums, flexible reimbursement and deductible options, and a trusted brand name, while noting the underwriting is by a third-party insurer.”
Independent editorial review; details summarized from the piece.
Read on usnews.comReviewer
NerdWallet
ASPCA Pet Insurance Review 2026: Pros and Cons
“Notes competitive pricing and a rare 100 percent reimbursement option, alongside a phone-or-email cancellation process and standard pre-existing-condition exclusions.”
Independent editorial review; sentiment summarized from the piece.
Read on nerdwallet.com
Cancellation guide
How to cancel ASPCA Pet Health Insurance
Documented · ~12 min
- 01
Have your policy number ready
- 02
Cancel by emailing customer care or calling 1-866-204-6764 - there is no online cancel button
- 03
State the reason and the date you want coverage to end
- 04
Ask about a pro-rated refund for the unused portion of premium you already paid
- 05
Request written confirmation of the cancellation
ASPCA Pet Health Insurance free trial - frequently asked
- How much does ASPCA Pet Health Insurance cost?
- ASPCA Pet Health Insurance is a monthly pet insurance membership, not a free trial. Worth stating plainly: the ASPCA name is licensed, and the insurance is underwritten by the Crum and Forster group (including Independence American) and administered by C and F or PTZ Insurance Services, not by the ASPCA charity itself. Premiums vary by species, breed, age, and ZIP. Researched July 2026: dogs commonly run about $25 to $100 a month, with cats from around $16 a month at a $500 deductible, 80 percent reimbursement, and a $5,000 annual limit. You choose 70, 80, or 90 percent reimbursement (100 percent in some cases), an annual deductible ($100 to $750), and an annual limit from $5,000 up to Unlimited. Routine care is a separate optional Preventive Care add-on.
- How do I cancel ASPCA Pet Health Insurance?
- To cancel ASPCA Pet Health Insurance: 1. Have your policy number ready; 2. Cancel by emailing customer care or calling 1-866-204-6764 - there is no online cancel button; 3. State the reason and the date you want coverage to end; 4. Ask about a pro-rated refund for the unused portion of premium you already paid; 5. Request written confirmation of the cancellation. It takes about 12 minutes and is rated hard to cancel.
- Do I need a credit card for the ASPCA Pet Health Insurance trial?
- Yes - ASPCA Pet Health Insurance requires a credit card to start the free trial, so note when it converts to a paid plan.
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