ASPCA Pet Health Insurance — Company Profile
What it is: a pet insurance program sold under the ASPCA’s name — and the first fact on this page is the program’s own disclosure: the ASPCA is not an insurer and is not engaged in the business of insurance. Under a licensing agreement, the ASPCA receives a royalty fee for the use of its marks, and that royalty is not a charitable contribution. The program is run by Crum & Forster Pet Insurance Group, whose platform dates to 1997, and policies are underwritten by one of two Crum & Forster carriers.
Verdict: Legit Our rating: Not yet rated — the evidence check is published (see the legit check); numeric scoring with visible inputs is in progress, and we do not publish a number without them.
The ASPCA-branded program is a legitimate pet insurance operation — run by Crum & Forster’s pet group (in the market since 1997) and underwritten by licensed carriers. Legitimacy is not the issue; clarity about what the brand means is. Buying this policy does not donate to the ASPCA: the ASPCA is paid a licensing royalty, which its own disclosure states is not a charitable contribution. Judge the plan on its documents like any other. Full verdict evidence: Is ASPCA Pet Health Insurance legit?
The evidence
- The licensing fact, in the program’s own words: “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.” We print it verbatim because it is the single most misunderstood fact about this brand.
- Who runs it: Crum & Forster Pet Insurance Group (“C&F Pet”), whose history dates to 1997 — one of the original U.S. pet insurance providers. The current producer is PTZ Insurance Agency, Ltd. (older materials, through about 2023, named C&F Insurance Agency, Inc.).
- Who underwrites: United States Fire Insurance Company (NAIC #21113) or Independence American Insurance Company (NAIC #26581) — the program’s disclosures direct you to your policy forms to determine which underwriter applies to your policy.
- Plan structure: Complete Coverage™ (accident + illness) and Accident-Only plans, with optional Preventive Care add-ons. Accident-and-illness claims reimburse from the invoice; preventive add-ons pay on a fixed benefit schedule.
- The dials: an annual deductible (as low as $100) and annual limits selectable from $2,500 to unlimited, with no lifetime payout limits. Notable exclusions: pre-existing conditions, and bilateral conditions are not covered. The program cannot pay your vet directly.
- Complaint pattern: our standard complaint index — the CarInsurance.com compilation of NAIC data used for every auto profile on this site — covers private-passenger auto only, so no figure from it exists for this line. Other compilations publish figures on different bases and disagree with each other, so rather than borrow one, we publish this company’s financial-strength rating and market data instead, and say so.
Where to check next
There are no live quote offers for ASPCA Pet Health Insurance on this site yet, so the honest next step is comparison, not a checkout button:
| Alternative | Best for | See |
|---|---|---|
| All major pet insurers, side by side | Comparing sales models and fit | Best pet insurance comparison |
| Run the numbers for your situation | A sourced estimate before you shop | Pet insurance breakeven calculator |
| The pet insurance hub | Coverage, costs, and how to shop the line | Pet insurance hub |
Reader reviews
No verified reviews yet. This profile is new, and we will not dress it up with placeholder praise. When reviews arrive, each one is moderated by a human, labelled verified only when we can verify the reviewer, and published whether it is positive or negative.
Review ASPCA Pet Health Insurance
ASPCA Pet Health Insurance questions
Does buying ASPCA pet insurance donate to the ASPCA?
No. The program’s own disclosure states that the ASPCA receives a royalty fee for the use of its marks under a licensing agreement, and that the royalty “is not a charitable contribution.” The ASPCA is not the insurer; the program is run by Crum & Forster Pet Insurance Group and underwritten by US Fire or Independence American.
When was ASPCA Pet Health Insurance founded?
The program’s operator platform (Crum & Forster Pet Insurance Group) dates to 1997. A single founding year for the ASPCA-branded program itself was not found in the sources we consulted, so this page does not print one — and the ASPCA charity’s own 19th-century founding is a different organisation’s story.
Why does this profile say “Not yet rated”?
We publish a numeric score only with the inputs behind it visible on the page. This company’s evidence check (on our Is It Legit page) is complete; its full numeric scoring is in progress, so the honest label is “Not yet rated” rather than an invented number.
Is this your business?
ASPCA Pet Health Insurance representatives can claim this profile to respond to reviews and correct factual errors. Claiming is free; it never changes a verdict, a score, or a review. How claiming works
Sources (checked October 2026): Licensing/royalty disclosure quoted verbatim from program disclosures (ASPCA Pet Health Insurance disclosures via vet.aspcapetinsurance.com; PetInsuranceReview ASPCA page; Pawlicy ASPCA review — identical wording across all three). Operator Crum & Forster Pet Insurance Group, platform dating to 1997 (C&F Pet press boilerplate, InsuranceNewsNet). Producer PTZ Insurance Agency, Ltd. (NPN 5328528) in current disclosures; C&F Insurance Agency, Inc. in materials through ~2023. Underwriters United States Fire Insurance Company (NAIC #21113) or Independence American Insurance Company (NAIC #26581) (current program disclosures). Plan structure, deductible floor, limits, bilateral exclusion, no direct vet pay (PetInsuranceReview plan summary; Pawlicy). A founding year for the branded program was NOT FOUND and is not printed.