ASPCA Pet Insurance Review

Rating: 7.6 / 10 (Very good)
26 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 Periouds

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
16 days
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

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26 Customer Comments & Reviews

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Alisa S
Johnstown, Pennsylvania

I paid my deductible in March 2015 and was charged again in November 2015. I was told the one in March was for an exciting problem. In November it was for something new so I had to pay the deductible again. I went with ASPCS because of them helping other animals but there are better insurance for animals They are at down on the bottom of the top 10 pet insurance. So I recommend you look before going with ASPCS

Jeanne K
Brooklyn, 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

Ted J

The insurance itself isn't so bad until the time comes to submit a real claim that will cost real money. Then they will decline. The problem I ran into was when I contacted them because I wasn;t sure the claim would be covered. They assured me it would until the time came to pay. Then it was "oh by the way, we forgot to tell you this... and since you didn't ask... too bad". I am shopping for something better. I wish I had never dealt with them.

Robert C

Their policy is that they pay for diagnose and treatment competed in the same coverage year. I've had coverage on my 2 RRs for 6 years. This past year they tried to deny coverage on cancer treatment because the diagnosis was made before my coverage anniversary date and the treatment was completed after the anniversary date.

Brenda R
Athol, Massachusetts

I love ACPCA never had problems getting payment. If your pet is as important as any other member of your family they deserve the best. If your pet is getting older just as we are medical insurance goes up why, because we get illness, sudden problems we don't expect in our younger years. I would rather pay more and know Sam is covered.

Dawn L

I would not recommend ASPCA Pet Insurcance. I decided to get pet insurance because I thought it would be helpful. My cat does have a pre-existing condition and I was aware it was not covered. Nothing else is covered either. He had a minor back injury that was treated with medication for pain. That was not covered either. Nothing has been covered even if it had nothing to do with his pre-existing condition. So if there is pre-existing condition NOTHING is covered.

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