The ASPCA Pet Health Insurance Program, administered by Crum & Forster Pet Insurance Group through C&F Insurance Agency, has been protecting pets since 1997 — making it one of the oldest pet insurers in the country. With more than 600,000 pets covered and 2.2 million+ claims processed, ASPCA combines brand trust with one of the most comprehensive and flexible policies available.

• ✅ No Upper Age Limit — Senior Pets Fully Eligible: While most competitors cap new enrollments at age 14 or 15 (or restrict older pets to accident-only plans), ASPCA has no upper age limit on its Complete Coverage plan. If you're adopting a senior rescue or insuring a long-lived pet for the first time, ASPCA is one of the few carriers that will still write a full accident-and-illness policy.
• ✅ Industry-Leading Curable Pre-Existing Window: ASPCA will cover curable pre-existing conditions as new occurrences after just 180 symptom-free days — half the 12-month window most competitors require. That's a meaningful edge for pets with a history of treatable issues like UTIs, ear infections, or GI upset. (Ligament and knee conditions remain excluded.)
• ✅ Horse Coverage — Rare in the Market: ASPCA is one of the only major pet insurance providers to cover horses, with Colic + Accidents and Colic + Accidents + Illnesses plans plus two tiers of routine care. Equine owners typically have to shop specialty carriers; ASPCA lets you insure dogs, cats, and horses under one brand with a 10% multi-pet discount across species.
• ✅ Comprehensive Complete Coverage Plan: ASPCA's Complete Coverage accident-and-illness plan covers the full menu — accidents, chronic conditions, hereditary and congenital conditions, behavioral therapy, alternative therapies, dental illness, and prescription medication — with customizable deductibles ($100–$500), reimbursement rates (70%, 80%, 90%), and annual limits up to unlimited. Reimbursement is simplified as a straight percentage of your actual invoice.
• ✅ 24/7 Vet Telehealth & Trusted Brand Partnership: Every policy includes 24/7 access to licensed vet professionals through The Vet Connection, available right in the ASPCA mobile app alongside claims filing, deductible tracking, and a nationwide vet locator. Backed by the ASPCA's iconic brand through a licensing partnership, you're buying from a provider that's been in this business for nearly 30 years.