ASPCA Pet Insurance Review

Rating: 7.6 / 10 (Very good)
29 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. 
Learn more.
The ASPCA is a non-profit organization in the US with the mission to prevent cruelty to animals. In 2006 they began offering pet insurance policies through the Hartville Pet Insurance Group. ASPCA features customizable plans that cover 70%-90% of vet bills, and the option of unlimited coverage.

How is ASPCA rated?


Benefit Limits
Claims and Service

Overall Rating: 7.6 / 10 (Very good)

The ASPCA has multiple plans that offer comprehensive coverage. The organization's flagship plan, Complete Coverage, features annual benefit caps of up to unlimited, as well as no special caps for eligible congenital and hereditary conditions. The ASPCA's lower tier plans are still somewhat restrictive. Though the 3 levels of basic coverage might have no limit on the number of incidents you can claim, they do have incident caps. This could be a problem if your pet experiences a serious illness that requires costly or ongoing treatment. The benefit limits on hereditary and congenital conditions are a restrictive factor as well.

ASPCA Coverage

Coverage - 8 / 10

The ASPCA has 3 levels of basic coverage, two wellness plan add-ons, and the larger, more comprehensive Complete Coverage. As for the lower level plans, Level 1 covers common injuries, Level 2 covers injuries and non-congenital illnesses, and Level 3 covers "Advanced Care," which includes things like hereditary conditions and therapy for behavioral problems. The wellness plans differ in annual maximum payout. Seeing that all plans cover vet exams and prescriptions, among other things, the ASPCA plans are all quite extensive. Complete Coverage covers all the items of the ASPCA's most comprehensive plan, but does so without incident caps, or separate caps on hereditary and congenital conditions. The plan is only subject to a customer-chosen annual cap.
Pets Covered
Coverage Types
Vet Selection
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Dental Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy

Benefit Limits

Benefit Limits - 8 / 10

While the ASPCA's lower tier plans are subject to per incident caps, the organization's recently added Complete Coverage not only has no per incident limits, but allows customers to set an annual cap from $5,000 up to unlimited. This plan also does not have a separate limit for eligible congenital and hereditary conditions. They are only subject to the same annual limit as chosen in the plan. All the ASPCA's remaining plans have differing benefit caps depending on the level of coverage you choose. If you purchase the accident and injury plan alone you will be limited to $2,500 annually per incident. Accident and injury plus illness will get you a $3,000 annual limit for each per incident. The Level 3 Advanced Care plan gives you $5,000 for accidents and injuries and $5,000 for illnesses per incident, plus $500 per incident and $1,250 in total lifetime for hereditary and congenital conditions. Importantly, there is also no limit on the number of incidents the policy will cover. So under Advanced Care the ASPCA will pay as much as $5,000 to treat an ear infection in a year, but this will reset for a different condition.
Benefit Limit Types
Per Incident

Reimbursement & Deductibles

Reimbursement - 8 / 10

The ASPCA offers the standard reimbursement levels of 70%, 80%, and 90%. This pays out on the actual cost of your vet bill and is standard among the best providers.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
Maximum Percent Reimbursement

Deductibles - 10 / 10

The ASPCA allows customers to set their deductible level at $100, $250, or $500. This is a pretty much standard feature now among the best pet insurance plans.
Deductible Type
Minimum Deductible Offered
Maximum Deductible Offered

Pricing: How much does ASPCA cost?

Pricing - 5 / 10

The ASPCA's pet insurance plan is on the pricier side of the spectrum. There are comparable plans on our list that provide similar coverage for less.

Starting Monthly Premiums

Rate Details: Annual Deductible: $250, Benefits Cap: $5,000, Reimbursement Model: 90% of Actual Cost
Available Discounts: 10% Multiple Policy Discount

Enrollment & Waiting Periods

Enrollment - 8 / 10

The ASPCA has a minimum enrollment age of 8 weeks and no maximum enrollment age. There is no waiting period for accident coverage and a 14-day waiting period for illnesses. Additionally, there is a 14-day waiting period for treatment or surgery related to ligament and knee conditions, as well as treatment for hereditary and congenital conditions.
Min Enrollment Age
8 weeks
Accident Waiting Period
0 days
Illnesses Waiting Period
14 days
Free Look Period
30 days

Claims & Service

Claims and Service - 7 / 10

The ASPCA allows you to download their claim form on their website. You can then email, mail or fax the completed form with relevant invoiced to the organization. They offer direct deposit, which speeds up the process. You are also able to track the status of a claim online.
Advertised Response Time
Claim Form

Contact & Additional Information

Homepage URL
Headquarters Address
1208 Massillon Rd Suite, Akron, OH, 44306
Mailing Address
888-716-1203, 1208 Massillon Rd Suite, OH, 44306
Year Founded

What We’re Hearing From Our Readers
Are you a customer of ASPCA Pet Insurance?
Submit a comment and tell other people about your experience!
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Customer Comments

Loading Reviews ...
graciane b
Miami, Florida

After paid for more than 5 years, they denied my first claim, and after took more 2 months for come the appeal answer.
Was this comment helpful?

Daisy K
New York, New York

ASPCA Pet Insurance review Worst insurance company I've ever dealt with! Signed up with a low-deductible plan because I saw an ASPCA flyer with a 30-day free trial promo that said my pet cat's claims would be covered as long as I signed her up within 3 days of a vet visit. Turns out, ASPCA Pet Insurance has deliberately misleading false advertising language that they use but do not intend to honor, just so they can get you to sign up and take your money. Every single claim I submitted was rejected with the convenient "pre-existing condition" excuse with no other explanation even though my cat didn't have a pre-existing condition. Terrible/reluctant customer service and appeals process as... Read More
Was this comment helpful?

Thomas S
Fishkill, New York

My dog has been on the ASPCA Pet Health Insurance for ten years. I have made monthly payments by automatic deduction from my bank account. Recently, he was diagnosed with discoid lupus and the ASPCA Pet Health Insurance refuses to pay claims for treatments which could be life long. When asked why, they said I was sent by mail six moths ago a notice to upgrade my plan. Because I have automatic payments, I rarely opened their mail so I was unaware that I had to upgrade. I have spoken with other pet health insurance providers who stated that this would never had happened with them. I encourage people to seek other plans and avoid ASPCA.
Was this comment helpful?

Seattle, Washington

So far all claims have not been covered. Waiting on appeals, but it doesn't look good. They find reasons to not cover ANYTHING. Also, very important to note: NO AFFILIATION WITH ASPCA AT ALL. They just pay for the right to use the name. When I chose this insurance, it was with the thought of "oh, ASPCA cares a lot about pets, I bet they will be great!". Wrong! They're just another insurance company whose primary mode of business is to take money and not give it back. An understandable business model - no other would work - but a really deceptive name. Even this very website has the wrong description. Yes, ASPCA had something to do with the formation of this insurance company, but only... Read More
Was this comment helpful?

Edina R
Florham Park, New Jersey

I insured our rescue adult dog with ASPCA. We had her 2 years, and I finally got around to getting insurance. Unfortunately, within 2 months she was in the emergency room with stage 4 cancer (we had no idea), and we had to put her to sleep. ASPCA paid the claim, quickly, and without question, and even gave us a condolence call. We just adopted a puppy and will be insuring her with ASPCA.
Was this comment helpful?

Oceanside, California

It is cruel to any animal with needed medical to wait months for treatments already too high, yet u r suppose to be leaders in this field for animals, especially dogs. This is ludicrous. In the mean time paying every month. Many salary levels camnot pay. So animals need help, suffer due to high billing. Some never helped due to wrong diagnosis, constant re charged for follow ups, for same problems paid for. Over 16,000$ for one dog, never recovered from surgeries, meds given, improper treatment. Now blind after a seem like new, no sympathy vet prescribed eye drops for wrong problem. She still suffers now greatly, but too much attitude in her to let her be murdered. When she should have... Read More
Was this comment helpful?

New York, New York

This has to be the worst company I have ever dealt with in my life. I have had this pet insurance for 10 years and never used it on my 18 year old cat, who is now dying. Last November of 2016, Lucy began to have a kidney problem. I took her to the Vet and am now treating her, and thank god she is still with me. She has been a loyal animal, and I want to keep her going as long as I can. Yesterday I contacted the ASPCA Pet Insurance company about a prior claim and they grotesquely told me Lucy was no longer covered for her kidney disease. That when my plan turned over in March of 2017, Lucy was no longer covered, as NOW she has a preexisting illness. I never used a claim on her ever until I... Read More
Was this comment helpful?

Madison, Connecticut

Worst pet insurance ever every claim you make they don't cover
Was this comment helpful?

West Palm 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
Was this comment helpful?

Maureen J
Redford, Michigan

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 $$$$
Was this comment helpful?

Our Partner
7.6 / 10
  • Per-condition payout limit, but no total cap on payouts.
  • Reimbursement on benefit schedule (not actual bill)
  • Annual benefits limited to $3.5k/yr
  • Annual deductible & wellness available