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ASPCA Pet Health Insurance

ASPCA Pet Health Insurance

 4.2/5 (759 ratings)
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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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  • Exam fees included
  • No age restrictions
  • No networks


  • 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

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

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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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?
  • 3,548,066 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.

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Dec. 21, 2021

Every claim that I’ve made is followed up in a few weeks with an email about how they’re sorry for the delay in processing claims. This has happened for over a year, yet they haven’t hired more people to help offset this issue. In fact, ever since I’ve started with my very first claim after years of making my premium payments, I’ve received these emails. Worse, once they eventually do process your claim which in some instances took well over a month, you can expect your new policy premium to drastically increase. I understand that the older the dog gets, this is normal but for years it was a modest increase of 2-3% but once you make that very first claim, you should expect to see your premiums increase at 10-20%. My dog is too old to switch now but please don’t give your money to this company and go with Nationwide’s pet insurance. I had them for my other dog and they were fantastic.

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    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 4, 2021

    We started our insurance with ASPCA on our pure bred Rottweiler in July of 2020. Before purchasing the plan we spent countless hours researching all the insurance plans out there using forums, Reddit, review sites etc and needless to say it was painful. One website would promote a particular insurance and claim it was the best and then you'd come across a reddit post where people trashed it with their real life story claims. It was extremely irritating. After weeks of research we finally settled on one insurance that seemed to have the most balance feedback out of all of them, Embrace. We went to their website, read the fine print, which by the way is something EVERYONE should do before purchasing insurance and put in our dogs info.

    Everything seemed great until the site asked us for our zip code. As it turns out, Embrace does not have good financial backing in the state of Texas and therefore provides extremely pitiful coverage for the entire state. For our dog the site showed only ONE allowable plan which provided a high deductible and 80% coverage, we wanted at least 90%. Damn it! So, we kept researching.

    Finally, after what seemed like an eternity we stumbled across ASPCA and thank goodness we did. Since registering our dog and getting a fantastic plan; $100 deductible - 90% coverage - unlimited yearly coverage (technically caps off at 1 million per the fine print) we've used the insurance a few times. The first time was during the height of the covid pandemic and so the waiting time for reimbursement took almost 3 months which was frustrating but understandable, but the rest of the claims we filed were completed within 2 weeks. About a month ago we added two kittens to the plan and had to use the insurance soon after the waiting period ended because of some eye discharge. The claims were completed within a week and a half. Needless to say, we are both very satisfied with ASPCA and I can't recommend them enough.

    The last two things I want to say before I end this review is this: 1) READ the fine print. Every insurance company has fine print and although some may be intimidating to read, ASPCA's fine print is easy to read, understandable and their exclusions make sense. One inconsistency I noticed on this ConsumerAffairs site regarding the fine print is the claim that the insurance doesn't cover Ligament and knee conditions; that is actually false. Per the fine print ASPCA DOES cover ligament and knee conditions as long as they dont occur before or during the waiting period. Once the insurance completely kicks in, it IS covered. I've verified this myself.

    2) Before you pick an insurance company for your pets do some research into the financial backing of the company and who their underwriter is, that makes a HUGE difference into whether or not the company will provide the service they claim. ASPCA uses the "United States Fire Insurance Company" which is owned by "Crum & Forster Holdings Corp". If you do some research you'll find that "Crum & Forster Holdings" has an A rating for financial strength and is listed as "stable" for financial outlook. Needless to say, ASPCA can provide the financial backing they need to provide such awesome coverage. Need I say more?

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 19, 2021

    It's super expensive, the preventative plan won't even break even, and they REFUSE to let me cancel. They've taken hundreds out of my account and I no longer want to be a customer but there's no way to cancel. This is a scam. Look at their Yelp reviews.

    ASPCA Pet Health Insurance response

    Hi, Ben, we understand that you have talked to our customer service team - should you wish to discuss more please give us a call at 1-866-204-6764

    3 people found this review helpful
    Rated with 3 stars
    Verified Reviewer
    Original review: May 31, 2021

    These guys do not pay claims based upon what the owner ACTUALLY pays the vets. They have stipulated "customary and standard" rates. Maybe there is some corner of Manhattan where their rates track what an owner would actually pay. I haven't found it. My cat had asthma for a number of years. They thrashed around and ultimately paid for diagnosis and treatment. However, this year, with two hospital stays of $4K, IMHA, and $6K, renal lymphoma, respectively, they are trying their hardest to link these two separate conditions to avoid paying out on the second which ultimately caused his my cat's death. How many times do I have to submit the same documents in answer to their requests for information?

    7 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: March 12, 2021

    This is the fourth claim that I have submitted to ASPCA. Each time the process has been easy and a reasonable amount of my costs have been covered. They even cover end of life services. I had one cat pass away last year (age 17 to cancer), and I received a call from someone at ASPCA Pet Health Insurance offering heartfelt condolences. Just a month ago I lost another cat (age 16 to kidney disease), and I received another heartfelt condolence call. Also, I no longer had to pay for the insurance which was not the case with another company. Needless to say, I highly recommend ASPCA Pet Health insurance!!

    5 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!!

    23 people found this review helpful
    Rated with 1 star
    profile pic of the author
    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.

    12 people found this review helpful
    Rated with 1 star
    profile pic of the author
    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.

    38 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.

    8 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.

    2 people found this review helpful
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    ASPCA Pet Health Insurance Company Information

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