ASPCA Pet Insurance Review

Rating: 5.7 / 10 (Average)
22 Customer Reviews - see all reviews
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ASPCA Pet Insurance

ASPCA is a non profit organization in the US with the mission to prevent cruelty to animals. In 2006 the ASPCA partnered with Hartville Pet Insurance Group in order to offer ASPCA Pet Health Insurance. ASPCA's plan covers 70%, 80%, and 90% of the veterinarian's bill depending on the customer's choosing. The company currently offers the ability to customize its plan limits based on annual spend up to unlimited coverage.

The ASPCA plan affords provisions for accident, illness, advanced, and preventative care. The company's policies are underwritten by US Fire Insurance Co. which maintains a A rating by AM Best.

What's Included with ASPCA:

  • Percentage of invoice reimbursement pre-set by consumer (90, 80 or 70 percent)
  • Low annual deductible of $100
  • Visit the vet of your choice

The Fine Print:

  • Limits are based on annual spend and can be customized up to unlimited
  • Reimbursement based on percentage of invoice

The Bottom Line:

Coverage of alternative therapies and behavioral issues is a big plus with the ASPCA/Hartville plan. Seeing that pet owners, particularly dog owners, frequently have to spend a lot of money correcting ongoing problems, this is a very useful feature. The recent changes in the ASPCA's plans, i.e. changing per condition limits to customer chosen percentages of actual vet bill, and allowing the customer to choose their own annual spend up to unlimited, have improved the ASPCA's pet insurance offerings.


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Latest Reviews

Based on customer reviews
22 Reviews
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Worst pet insurance ever every claim you make they don't cover

[email protected]
Pompano Beach, Florida
On the anniversary of your policy, any illnesses you pet had during the past year becomes a pre-existing condition. Therefore, they no longer cover an illness they have been covering. Example: your pet is injured two weeks before the policy anniversary date and requires 6 weeks of care. ASPCA Pet Insurance will only cover the claims for the first two weeks. On the anniversary date, the remaining 4 weeks of care are considered pre-existing. I call this a rip-off. When asked about pre-existing conditions, ASPCA did not state this policy. I should not have trusted the rep and I should have read the fine print. There are other Pet Insurance companies that would continue payment of claims... Read More

Maureen J
Terms are completely misrepresented in the paperwork. States preexisting medical conditions are not covered which is fine. This would include a DIAGNOSED medical condition. I took my cat to the vet with symptoms (still Undiagnosed) claim denied! They only collect $$$$

West Greenwich, Rhode Island
We have always been paid quickly for small amounts $$ as our dog has been healthy. She is now 11. We joined ASPCA when Lily was 11 weeks old. Lily has now developed diabetes and has been hospitalized. We submitted a claim for $2000 + and have been waiting for approval. We have a $3000 per incident max. $8000 total per year max. It seems that if an emergency that is expensive arises with your loved pet, ASPCA, is difficult to deal with. I have been calling for 2 weeks and have received excuse after excuse as to why we have not been paid. I have had to appeal a recent claim for $277 because ASPCA coded it as a Wellness Vet visit and still have not been paid I suggest to... Read More

Dyanna P
Whittier, Alaska
I have 3 cats and 2 dogs. I have been a member of ASPCA PET Insurance for 10 years. They are awesome. They pay really quick and always respond to my inquiries immediately. They have saved me sooo much in vet bills. I give them a 5 star rating. I recomend them to everyone I know that has pets and I will use ASPCA Pet Insurance forever. They are so reasonable and offer a variety of plans to choose from. Dyanna Pratt

Rick L
I was all set to buy their "Complete Coverage" for my new pup. I was ok with the price, deductible etc since it was Complete coverage. But as soon as I pressed the Select button, up pops a screen asking me if I want to add Preventative care coverage which would increase the monthly cost. What? I guess Complete coverage isn't so complete. After seeing that B.S. I decided against the insurance and furthermore realized it was a good move especially after I read all the negative reviews. Finally, read the small print. The insurance is not from the ASPCA. They are only paid a fee for the use of their name. The insurance is from another insurance company- and we all know how much insurance... Read More

New York, New York
I have coverage with them for about a year. my dog got cancer and they did not cover the surgery she needed. Since then, theyve also raised my premiums and give no reason as to why.

[email protected]
Brampton, Ontario
To get a claim done takes 3-5 months. I had this insurance for 7 years. I paid around $100 monthly for level 4. My dog got cancer. They did not paid my claim for surgery. Don't be confused by SPCA name. This is not SPCA.

mike m
Watertown, Massachusetts
I was a loyal customer for 6 years, filing only two claims during that period. When I did file claims, I was receiving 15-18% of the actual cost incurred, as they only payout for their estimated costs. By the end of the 6th year, my plan had increased by 100% from the original price, and over 33% in just one year. At the end of the day, I spent 2,000 - 3,000 more on the insurance plan, then if I paid out of pocket. Scam.

Los Angeles, California
This is totally a rip-off -- put your premiums in a savings account. Insurance is supposed to collect premiums from many people, and then help pay large expenses for the few people that need them. ASPCA insurance does everything it can to pay virtually nothing. We have been paying for level-3 insurance (i.e. one of their better plans) for 9 years, costing thousands of dollars. This insurance has been useless for both the many "smaller" medical bills ( $200-$500) that we've had over the years, AND the large bill we just had. I was OK overlooking the "small" ones, assuming they would actually pay up when a big expense came. The do not. Between the deductibles, fee limits, and... Read More

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