ASPCA Pet Health Insurance

ASPCA Pet Health Insurance

 4.2/5 (43 reviews)
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ASPCA Pet Health Insurance

About ASPCA Pet Health Insurance

ASPCA Pet Health Insurance helps with costly and unexpected pet illnesses and injuries, which gives you the comfort of knowing you can give your pets the care they need when they need it without the burden of a large vet bill hanging over your head. The process is simple and convenient and your reimbursement can cover up to 90% of your covered bill.

Overall Satisfaction Rating

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Pros

  • Exam fees included
  • No age restrictions
  • No networks

Cons

  • Preventative care costs extra

Bottom Line

ASPCA Pet Insurance provides injury and illness coverage for animals. While preventative care coverage cost extra, the insurance offers comprehensive coverage options and a simple, quick claim process.

Top ASPCA Pet Health Insurance Reviews

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Rated with 5 stars
Verified

My horse sustained what would have been a life-ending injury had I not had ASPCA Pet Health Insurance. Instead, he has not only survived but he is anticipated to return to FULL AT...

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Rated with 5 stars
Verified

Claims are responded to very quickly. No problems, no headaches. Claims are easy to submit and monitor online, making the process simple. Very happy with ASPCA Pet Insurance and w...

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ASPCA Pet Insurance plans

ASPCA Pet Insurance offers two main plans: Complete Coverage and Accident-Only Coverage. For all plans offered by ASPCA, you can visit any vet, specialist or emergency clinic — no need to worry about networks. Simply get your pet the help they need when they need it then submit your claim at a later date.

  • Complete Coverage: ASPCA’s core insurance offering is the Complete Coverage plan, which covers accident, illness, hereditary and behavioral issues. Cost varies based on your plan elections.
  • Accident-Only Coverage: For around $20 a month with a $5,000 limit, accident-only coverage is available to cover the fees associated with diagnosis and treatment of accidents like broken bones, cuts, wounds and toxic ingestion.
  • Preventative add-on: While preventative care is not covered under a regular plan, you can add-on preventative care for between $10 - $25 extra a month.

What does ASPCA Pet Insurance cover?

Coverage includes exam fees, diagnostics and treatments under the categories below. ASPCA advertises covering most advanced treatments, including conventional treatments like chemotherapy and surgeries, as well as less common treatments like stem-cell therapy and acupuncture.

  • Accident: Accident coverage deals with costs associated with injuries like broken bones, torn ligaments, toxic or foreign object ingestion, cuts and other wounds that require emergency treatment.
  • Illnesses: Covered illnesses include cancer, arthritis, allergies, hypothyroidism, digestive problems and UTIs.
  • Hereditary & Congenital Conditions: Coverage for inherited conditions that present later in life such as heart disease, eye disorders and hip dysplasia.
  • Behavioral Issues: Coverage for vet visits for concerns related to issues like anxiety, compulsion, excessive licking or other destructive behaviors.

ASPCA Preventative Care coverage

If you elect the Preventative Care add-on, coverage is also available for the following items, depending on which options you select.

  • All
    • Annual exam
    • Heartworm test or FELV screen
    • Spay/Neuter
    • Wellness blood screening
    • Microchip
    • Urinalysis
    • Heartworm/flea prevention
    • Fecal screen
    • Dental cleaning
  • Dogs
    • Canine bordetella vaccine/titer
    • Rabies vaccine/titer
    • Lyme vaccine/titer
    • Canine DHLPP vaccine/titer
  • Cats
    • Rabies vaccine/titer
    • FIP vaccine/titer
    • Feline FVRCP vaccine/titer
    • Feline FELV vaccine/titer

What’s not covered

ASPCA Pet Insurance does not cover pre-existing conditions, breeding costs or cosmetic procedures like tail docking, ear cropping and claw removal under their Comprehensive Plan. Preventative care is only available as an add-on service for an extra fee. The organization includes the following list of exclusions on their site.

  • Anal gland expression
  • Boarding
  • Breeding/Pregnancy
  • Cosmetic procedures
  • Dental services
  • Elective procedures
  • Experimental treatments
  • Funeral services
  • Grooming
  • Herbs
  • House calls
  • Illness or injury related to neglect
  • Ligament and knee conditions
  • Non-medical supplies
  • Non-veterinary services
  • Organ transplants
  • Pre-existing conditions
  • Prescription food
  • Preventative care
  • Supplements and vitamins
  • Training
  • Treatment related to epidemics or pandemics

ASPCA Pet Insurance cost

The average price for ASPCA Pet Insurance complete coverage for one pet is $35/month. The cost increases or decreases based on your selection for annual limit, deductible and reimbursement percentage.

Annual deductible: Choose from $100, $250 or $500. The higher the deductible, the lower your monthly premium. However, the lower the premium, the more you’ll pay out of pocket per claim.

Reimbursement percentage: Choose from 70%, 80% or 90% reimbursement. This is the amount you receive back on your vet bill after paying your deductible.

Annual limit: Choose from $5,000, $10,000, $15,000, $20,000 or unlimited annual limits. This is the total amount ASPCA reimburses you per 12-month period.

Annual limitDeductibleReimbursementMonthly cost
$5,000 limit$50070%$25.66
$15,000 limit$25080%$45.21
Unlimited limit$10090%$75.96

ASPCA Pet Insurance FAQ

Does ASPCA Pet Insurance cover spaying?

Spaying and neutering are included under the preventative care add-on insurance option but is not covered under ASPCA’s standard Complete Coverage plan.

Does ASPCA Pet Insurance cover pre-existing conditions?

No. Pre-existing conditions are not covered under any of the ASPCA plans. However, certain hereditary conditions that develop later in life, like hip dysplasia and eye issues, are covered under the Complete Coverage plan.

Is there a waiting period with ASPCA Pet Insurance?

Yes. All policies have a 15-day waiting period before they go into effect.

Does ASPCA Pet Insurance have an app?

Yes. The ASPCA Pet Insurance app is called “My Pet Insurance,” and allows you to submit and track claims from anywhere.

Do we recommend ASPCA Pet Insurance?

Pet care can be expensive and rarely ever thought of until it is needed. A service like ASPCA’s Pet Insurance can help reduce the cost of an ill-timed vet emergency. With vet costs averaging between $200 - $400 a year, these bills can start to stack up. In the event your pet needs major surgery or emergency care, pet insurance can be the difference between getting your pet the care they need and being forced into tougher monetary decisions.

ASPCA Pet Health Insurance Reviews

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How do I know I can trust these reviews about ASPCA Pet Health Insurance?
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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 26, 2023

I would highly recommend ASPCA Pet Health Insurance to anyone with a pet. We never expected to have to use it, but one of our cats quickly became sick and would not eat. We had to take him to the emergency vet hospital because it was Christmas Eve. He was in the hospital for 3 days and they helped him to recover fully! We submitted the claim to ASPCA about two weeks week later and about 2 weeks after that they deposited almost the full amount in my checking account (less the deductible and 10% co-insurance). No questions asked! And this was a $2500 bill!! I am thankful that we signed up for pet insurance and I am thankful we chose the right company...ASPCA Pet Health Insurance! THANK YOU!!

ASPCA Pet Health Insurance response

Hi Amy, thank you for taking the time to submit such a kind review! We appreciate it.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 10, 2023

    I am grateful for their loving kindness. Each person that took my call had comforting words. My dear Memphis has gone to rest. After a battle with lung cancer. Memphis ask for so little, in return gave so much. Indescribable. ASPCA was there to listen when I just couldn’t hold my tears. ADAM, help process claims swiftly and the many other people answer all my questions. No rush to hurry and take another call. I am satisfied and assured that there are many other clients that have the same experience. Forever thanks.

    ASPCA Pet Health Insurance response

    Hello, thank you for the thoughtful and kind review. Losing a big part of your family is never easy. We’re so sorry to hear about your loss.

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    Rated with 5 stars
    Verified Reviewer
    Original review: Sept. 25, 2022

    Our Male cat has had complications from FIP. Charlie has had to have a fair amount of Vet care to thrive. ASPCA Insurance is 1000% hassle free, you submit the bill and you're paid in what I believe record time. No question about it. Very simple, very easy at a usually hard time for any pet owner. It's refreshing in this day and age to have no qualms about paying a policy every month and have to wonder about what is going to happen. ASPCA not only does a great job with animal rescues but a better job with assuring you confidence with their insurance. Thanks ASPCA. A job well done.

    ASPCA Pet Health Insurance response

    Hi Vince, thank you for taking the time to submit such a kind review! We are glad you are having a great experience. Please give your cat some extra scratches from us today!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 1, 2022

    One of our cats got really sick and after spending 8000.00 trying to save his life he passed away at the animal hospital. It was a expensive and sad situation. We decided to insure our remaining pets. We vetted several insurances and talked to our vets and after a recommendation from our vet we chose ASPCA. For almost a year we just made payments but, then one of our cats suddenly had a small lump on her chest and we had to take her in and after removing the lump she was diagnosed with mammary cancer. She is currently doing chemo to keep it from coming back. We caught it early and because we had insurance we felt like we could get treatment faster. They claims were easy to submit and they have paid every claim according to their guidelines. So glad we made the decision to get pet insurance. This could have been the end of her life and our pets are family.

    ASPCA Pet Health Insurance response

    Hello Janice, we are so glad you are having a good experience and we are happy to help. Please give your cats some extra pet2 from us today, and thank you so much for taking the time to leave a kind review!

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    Rated with 5 stars
    Verified Reviewer
    Original review: July 26, 2022

    Never have had an issue. They are fast with processing claims and depositing into my bank act. The people that say they don’t pay probably never did what they asked to get paid!!! They want to see every single vet record of the whole time you have owned your pet before your 1st claim. Hence making sure you are not claiming pre-existing conditions! Not that hard. Never took longer than 2 weeks to get paid the 80% reimbursement for my dogs vet bills so I’m very happy with this pet insurance. One of the reviewers I read below said that they don’t cover conditions from the previous year when you have a renewal but that is not true because my dog needed a tooth extraction and she went to the vet in March when she was first diagnosed with a fractured tooth and then my policy renewed in April and I did not get her tooth extracted until May which was reimbursed more than $800 to me.

    ASPCA Pet Health Insurance response

    Hi, Jacqueline. Thank you for reviewing our company and providing this positive feedback.

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    Rated with 1 star
    Verified Reviewer
    Original review: March 23, 2023

    I will be cancelling my policy with this dishonest company. I have a 5 year old Neapolitan mastiff who has been a very healthy dog his entire life. He has been insured by ASPCA pet insurance since February 2020. I have only ever submitted 3 very small claims back in 2020 which combined, were just over $500. Nothing since. I was not at all happy to have waited for weeks for those claims to be approved and reimbursed. My premiums are paid on time every month but they dragged their heels on a few very small claims. Imagine how long the wait would be if we had a serious issue.

    Now comes my big issue with this sleazy company. My premiums have of course gone up each year, which I would expect. This year however, the increase was a whopping 78%! It jumped from $150.96 to $267.43. This is an increase of $116.22! When I asked why, they said it's due to my dog's age. So if just 12 months warrants this ridiculous jump in cost, why are companies that a rated higher than this one giving me considerably lower premiums for the same coverage? True story and pure **. Bye bye ASPCA.

    ASPCA Pet Health Insurance response

    Hi Debbie, we're sorry to hear you're unhappy with your coverage. Please give us a call at 1-866-204-6764, so we may address your concerns.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: March 23, 2023

    Just added a new puppy to my policy. The app is not so great but customer service over phone was vey helpful and I am grateful for that! They reviewed and went over the policy and the cost for both my puppy Ember and dog Honey.

    ASPCA Pet Health Insurance response

    Hi, Esmeralda! We appreciate the kind words - give Ember and Honey some extra belly rubs from us!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 22, 2023

    I am very happy.. Thank you so much. The coverage is right for my pet.. and claims are very easy to file.. If I have questions, I make a call and I get my answers right away. My claims are paid quickly too.

    ASPCA Pet Health Insurance response

    Hello Oudit - we appreciate the kind review!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 11, 2023

    Great customer service. My representative was extremely professional and provided me with awesome customer service. She was very professional and courteous. She helped me get my 3rd horse added to the policy. I thought my 3rd horse was already on the policy when he was not. I would recommend this pet insurance to anyone who is shopping for it. The price is very comfortable and within my budget.

    ASPCA Pet Health Insurance response

    Hi, Laurie! We appreciate the kind words – give your horses some extra treats from us!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 10, 2023

    We are very happy with ASPCA. It definitely gives us peace of mind knowing we have insurance to cover any emergencies that may occur and takes the worry out of getting treatment when needed. The cost of the monthly premiums are worth every penny.

    ASPCA Pet Health Insurance response

    Hi, Jean - we appreciate the kind review!

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    ASPCA Pet Health Insurance Company Information

    Social media:
    Company Name:
    ASPCA Pet Health Insurance
    Year Founded:
    2006
    Website:
    www.aspcapetinsurance.com