ASPCA Pet Insurance Review

Rating: 7.6 / 10 (Very good)
29 Customer Comments & Reviews - see all comments
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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
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Customer Comments

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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
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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
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Rick L
Southfield, Michigan

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
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Danbury, Connecticut

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.
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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.
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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.
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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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New York, New York

Never would I recommend anyone to take this insurance. My vet charges the lowest prices in my area and they continuously came back saying that the allowed amount was always "just a tad" lower than what my vet charged. It's nonsense. My dog was diagnosed with lymphoma 1 week before out yearly policy was up. When we renewed they gladly took my money but then told me they could not pay out any more claims for my dog until she was well for 6months. Dogs who are diagnosed with lymphoma will never "be well" again. On top of the usual insurance company issues, their phone reps are rude and tight lipped.
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Blake C
Waterloo, Iowa

Most heartless and greedy pet insurance in existence. My dog had a stomach virus causing him to vomit and poop constantly to the point he was so dehydrated he could barely move. He had a fever of 103 and had to be put on special food and medication. They linked this to puppy poops from puppy food he had several months prior. These people will do everything in their power not to help you DO NOT pick them for insurance they will fuck you when you need them most.
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Jeanne K
Huntington, New York

I have 3 Shelties and purchased a level 2 pet insurance through ASPCA when my girls were all 2 months old. They are now all close to 13+. I have rarely used my policy as they have been well. Until summer of 2014 when one of my girls got kidney disease. Also high blood pressure. This required vet visits, IV therapy, blood work and constant blood pressure monitoring. The initial visit required in hospital stay 2 days. I submitted this claim with her diagnosis. ASPCA processed the claim. I had many more vet visits and follow up. I ran into a problem when 2 issues arose. 1. If you don't submit your claim within a certain time they will not process and pay. 2. After the calendar year and your... Read More
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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