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ASPCA Pet Health Insurance

ASPCA Pet Health Insurance
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Overall Satisfaction Rating 4.27/5
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Based on 62 ratings submitted in the last year

ASPCA Pet Health Insurance understands that your pets are an important part of your family, but vet bills are often costly and unexpected. ASPCA Pet Health Insurance gives you the peace of mind that you will be able to give your pet 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. Call today to get the best coverage for your pet.


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.


  • Exam fees included
  • No age restrictions
  • No networks


  • Preventative care costs extra

Top ASPCA Pet Health Insurance Reviews We Found

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Rated with 5 stars
Verified Reviewer Verified Buyer

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 ATHLETIC PERFORMANCE as an event horse. ... I really just can't thank ASPCA Pet Health Insurance enough...

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Rated with 5 stars
Verified Reviewer Verified Buyer

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 would recommend to anyone with a pet.

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ASPCA Pet Health Insurance Get Pricing 

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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2 featured reviews
How do I know I can trust these reviews about ASPCA Pet Health Insurance?
How do I know I can trust these reviews about ASPCA Pet Health Insurance?
  • 2,737,259 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 9, 2020

ASPCA's pet health insurance has been a great deal for us. I purchased it for our remaining cat after one of our two cats died of pancreatic cancer last summer. Several months later the remaining cat became sick with feline lymphoma and we unfortunately had to make many visits to the vet for treatment, testing, etc. The insurance reimbursements saved us a lot of money in vet bills, as well as giving us peace of mind, and was very easy to use. Generally payments were made within a few weeks of submitting a claim, and all of our claims were easily managed from the web interface. It allowed us to spend a few extra months with our beloved cat, and after we had to put her to sleep, they even called to express their condolences. I highly recommend ASPCA pet health insurance and if/when we get more cats in the future, we will definitely be using them again.

3 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 11, 2020

    After having (and not needing) accident insurance on my two dogs for years, we wound up needing it for both of them two weeks in a row. The first dog swallowed a toy and needed emergency obstruction removal surgery. Thanks to our accident insurance, we were able to say yes to the surgery, which cost thousands, without hesitation and be reimbursed for most of the cost.

    Without this insurance, our otherwise young, happy and healthy dog would've had an entirely different outcome. This insurance saved his life and I'm eternally grateful for the kind customer service rep I spoke with, as well as the speed with which our claim was reviewed and paid out. The second dog's scenario wasn't as life threatening or expensive, but it was still reassuring to have him covered. I highly recommend this pet insurance to everyone who has cats and dogs -- best case scenario, it's money you throw at the company every month; worst case scenario, you need it to save your pet's life.

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 10, 2020

    This is the second time I have reviewed this pet insurance. If you love your pet the best thing you can get for them is this insurance. You have heard if you don't have your health you don't have anything. It is amazing how much happier your pet is when they get good medical attention. They feel better and they are happier with more energy. I will never have a pet without this insurance. My dog was horribly abused as a young animal and now he is happy and healthy.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 10, 2020

    I have already recommended this pet insurance program to at least 4 other pet parents; I love it that much! The customer service is extraordinary and the policy covers so much. I used this company for my last dog and they paid out a small fortune for my boy's many health issues, which enabled me to give him the best life possible. I wouldn't have been able to do that without the Aspca insurance program. With my new dog, they have continued to be fantastic. I love the ease of the whole claim and reimbursement process. You are all terrific! I cannot sing your praises highly enough!

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 3, 2020

    I've been a bit delayed in submitting a review of ASPCA Pet Health Insurance and should have done so sooner. My husband and I are so glad to have insurance through ASPCA for our 80-lb. toddler/pit bull mix, Zeus. Not long after first getting the policy we experienced a series of scary and unnerving health issues with Zeus, including one that resulted in a very expensive trip to a pet ER and another one not long after that resulted in an (almost equally expensive) emergency trip to what is now his permanent (and absolutely wonderful) vet! I tear up thinking about the anxiety, worry, and stress we dealt with over a period of about 2 months of constant and out-of-nowhere health issues with our baby that resulted in several vet trips and I'm just so grateful to this company for being there for us through such a difficult time.

    Claim processing time was a bit delayed in the beginning, but it was mainly because there were lots of moving parts at the time; we had just moved from out of state, got the insurance, needed to communicate with his old vet about sending his health records in and maintain regular communication with ASPCA regarding those preliminary details, and then needed to find him a permanent vet since his first veterinary experience here was at an ER. So there was a lot going on. But each person I spoke to was so kind, caring, and empathetic and really seemed like they genuinely cared about what we were going through and about helping facilitate the process as much as possible.

    I never felt like I was getting "the run-around" from anyone, every person I spoke to was very clear in terms of the documentation required for submission before any claims could be processed, the steps they'd need to go through on their end, and about how long they would take to be processed. So I know it's a bit of a hassle to make sure the i's are dotted and the t's are crossed, but really if you stay on top of things sooner than later, you'll avoid being inconvenienced when it matters the most.

    For our 2 year old fur baby, the monthly premium cost is also pretty fair both in comparison to other companies we got quotes from and in considering the coverage details -- we chose a low deductible, the highest reimbursement percentage, and a generous annual limit. And honestly the peace of mind I have from having this insurance is priceless.

    My only suggestion for improvement to them would be to offer a bit more for the wellness plan. I researched a LOT of pet insurance companies, probably all of them, and this seems to be an issue across the board. Best case scenario I found, I'd break even, with the worst case being I end up spending more altogether with wellness costs and the wellness plans themselves, so I opted to stick with the accidents and illnesses coverage. The coverage itself was/is good enough that the wellness plan being inadequate wasn't a deal-breaker for us. But it would be really nice to be able to get a wellness plan that is actually worth getting.

    And I'd be remiss in my duty as a millennial if I didn't comment on the technological convenience. Their app is GREAT. I've literally never filled out a single paper or even submitted claims on my laptop, EVERYTHING I've done I've done via phone calls or on their app. You can really see and do everything you need on the app, which for me is extremely important cause 1.) I'm busy and 2.) is anyone really even able to remember their passwords anymore with how ridiculous the requirements are? Basically, if I can't access it via fingerprint on a smartphone, I'm not interested because I know I'll never get to it. And this is another way this company helps make things as convenient as possible. I very highly recommend this insurance. You just never know when you'll need it and if and when you do, you'll be glad you have one less thing to worry about.

    6 people found this review helpful
    Rated with 1 star
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    Verified Reviewer Verified Buyer
    Original review: Oct. 16, 2020

    The absolute worst insurance experience of anything I’ve ever had insurance on! Car, home, life, phone, flood!! After 3 months They keep sending me emails every two weeks about needling more info from my vet. My vet sent them 11 pages of records 4 times. I spoke to a rep EVERY WEEK since the surgery (July 27 2020). They say they don’t have them, then another rep says they do then again they're waiting. I’ve called and shown up at my vet's office 3 times to make sure they did their part and sure enough they did. I again call ASPCA pet insurance and wait the 40-over an hour wait times to be told the same things.

    When they “verify” they have the records then tell me they will put this though for payment into my direct deposit, I get nothing but another email saying they’re waiting for medical records. I call again and the rep says the same repertoire then tells me they need records going back even further than a year since my dog has only been going to this vet less than a year. Not once had this come up in the previous emails. They always say they’re email the vet that did the surgery. I went and got, photographed and sent records all the way back to 2018!!

    So I cancelled my coverage and every day for the last 5 days I get a voicemail and an email asking to keep coverage and remit payment. They’re adept at begging for money FROM me every day just not lifting a finger to PAY me. Also now when I go to the “My Pet Insurance” app the date of the claim says Jan. 1, 2001!!!! What a joke of a company! A $1042 surgery claim I’ll NEVER get back! STAY AWAY AT ALL COSTS!!

    2 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Oct. 12, 2020

    I have 3 outstanding claims with them and they say because of covid it’s taking longer. One is 3 months, one 2 months and a third is about a month. I am owed over $1,000. I don’t understand how they are so behind but processed my payment for automatic insurance renewal. I called and emailed and can’t get my


    ASPCA Pet Health Insurance response

    Hi, Kim, we make every effort to process claims as quickly as possible and will update the status in the Member Center as your claim continues through review. We’d be happy to discuss your claims in further detail if you’d like to give us a call at 1-866-204-6764.

    2 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Sept. 16, 2020

    My dog Toto was insured by ASPCA Pet Insurance (underwritten by The Crum & Forster group) for over 10 years. Paid around 10000 in insurance premiums over 10 year period. When my dog needed an ACL surgery, the company has denied my claim, stating that incident has occurred in the prior policy year. Company is saying that when policy is renewed each year, treatment for the incidents that happened in the prior year would not be covered. I think this is an unfair practice and want all current and potential customers to be aware of that. The cost of surgery was over $2500 and I got paid 0 by the insurance.

    ASPCA Pet Health Insurance response

    Hi, Igor, 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.

    16 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: Sept. 14, 2020

    My overall experience with them is good. However, the premiums for two dogs are going up every year for the past 2 years. If this continues I will not be able to stay with them.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 31, 2020

    Our animal has been insured for the past 3.5 years. Our claims, when filed, have been responded to and paid with accuracy and promptness. We have also had phone contact to address some issues and the staff has been wonderful and solved our issues.

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