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ASPCA Pet Insurance Review (2023)

By Stephanie Koncewicz 11/17/2023

Through a partnership between the American Society for the Prevention of Cruelty to Animals (ASPCA) and Crum & Forster Pet Insurance Group in 2006, ASPCA Pet Health Insurance provides comprehensive pet insurance policies to animals nationwide.

These policies are underwritten by the United States Fire Insurance Company, which has an A rating from AM Best.

ASPCA Pet Health Insurance is a top contender in its industry, providing comprehensive coverage for your pet’s accidents and illnesses along with options for wellness and preventive care coverage.

Keep reading to find out more about the company’s background, policy coverage, plans, customer satisfaction, and how it stacks up to other top-rated pet insurance companies.

Key Takeaway: We compared ASPCA Pet Health Insurance to other top pet insurance providers in the industry on various key metrics, from customer service and reputation to coverage and cost, giving it a score of 89 out of 100.

Our Rating for ASPCA Pet Health Insurance

We gave ASPCA the superlative “Best for New Pet Owners.”

The company primarily lost points for limited customer service and lower maximum annual coverage limits.

We found it to be an ideal choice for new pet owners, since its website and mobile app feature a breadth of resources, including helpful articles about various breeds and their common conditions and a local vet finder.

Some highlights include:

  • Good choice for pet owners looking for comprehensive coverage
  • Standard policies uniquely cover behavioral treatments, microchipping, & end-of-life costs

ASPCA Pet Insurance Pros & Cons

Explore the advantages and disadvantages of pet insurance from ASPCA:

Pros Offers a 30-day money-back guarantee Covers behavioral issues Includes coverage for exam fees for eligible accidents and illnesses
Cons Doesn’t offer online quotes for pets over 18 years old Has a 14-day waiting period for accidents Often has long wait times for customer service and claims support

ASPCA Pet Insurance Plans and Coverage

ASPCA Pet Health Insurance sells two primary plans: the Accident-Only Plan and the Complete Coverage™ Plan. The provider also has two wellness care add-ons.

Here are some examples of the procedures, treatments, and expenses that are included in the Accident-Only Plan:

  • Procedures: MRIs, CT scans, X-rays, tooth extractions, surgery, microchip implantation
  • Treatments: Prescription medications, prescription food to cover an eligible condition, alternative therapy, stem cell therapy, general veterinary treatment
  • Expenses: End-of-life expenses, poison control consultation fees, medical supplies

The Complete Coverage™ Plan includes everything covered above, plus:

  • Cancer treatments, behavioral treatments, hereditary conditions (ex. heart disease & hip dysplasia), congenital conditions (ex. birth defects & allergies), UTIs, digestive problems, arthritis, other illnesses & conditions resulting in necessary care

Additionally, pet owners can add Basic Preventative Care or Prime Preventative Care to their policy for routine care coverage. Here are the limits for each covered treatment, as well as the total annual benefits and monthly prices:

Wellness Plans Coverage Limits

Plan Basic Preventative Care Prime Preventative Care

Dental cleaning


$150 (also goes towards spay or neuter procedures)







Health certificate



Flea/heartworm prevention



FVRCP vaccine



Rabies or FIP vaccine



FeLV vaccine



Fecal test



FeLV test



Blood test






Total annual benefit



Monthly cost



Coverage Exclusions

ASPCA pet insurance policies exclude pre-existing conditions, which the company defines in a sample policy as a condition that, “occurred on or before the first effective date of the applicable coverage or during a waiting period.” However, aside from knee or ligament issues, cured conditions that have been without symptoms or treatment for at least 180 days are not considered pre-existing.

Here are a few items that aren’t included with either the Complete Coverage Plan or the Accident-Only Plan:

  • Aesthetic or cosmetic procedures
  • Boarding
  • Anal sac expression
  • Breeding or pregnancy costs
  • Elective procedures
  • Grooming
  • Organ or heart valve transplants

ASPCA Pet Insurance Pricing

Pricing for your ASPCA policy will vary depending on your location as well as your pet’s species, breed, size, and age. Based on the quotes we received, customers can customize their premiums based on a selection from the following customization options:

  • $3,000, $4,000, $5,000, $7,000, and $10,000 annual limits
  • 70%, 80%, and 90% reimbursement rates
  • $100, $250, and $500 annual deductibles

We’ve included a few examples of plan pricing. Each sample quote is for a policy with a $500 deductible and 80% reimbursement rate for a four-year-old animal in Raleigh, North Carolina.

Sample Monthly Premiums

Species/breed Dog – Medium Mixed Dog – Golden Retriever Dog – Yorkshire Terrier Cat – Domestic Medium Hair

Accident-Only Coverage Plan





Complete Coverage Plan






Veterinarians can receive 10% discounts on policies if their practice signs up with the ASPCA benefits program. ASPCA also has a benefits program for other types of employers with similar discounts. Additionally, all pet owners can receive a 10% discount for adding multiple pets to their policies.

ASPCA State Availability

ASPCA pet insurance policies are available in all 50 states.

However, exact policy details may vary depending on your area, so it’s important to review your policy documents before completing enrollment.

Compare Cost of Pet Insurance Providers in Your State

ASPCA Pet Insurance Customer Reviews

ASPCA Pet Health Insurance doesn’t have a profile with the Better Business Bureau (BBB), but its associated parent company, Crum & Forster Pet Insurance Group, has accreditation and A+ rating. Because there were only a few customer reviews on the BBB, we looked to other sites like Yelp and Trustpilot to learn more about customer satisfaction.

We found that some people are happy with the fast claims process and customer service, while others complained about denied claims and had a hard time contacting a representative.

Here are a few ASPCA customer reviews from Trustpilot:

Leonard A. says:

“ASPCA has good selections for [coverage] that will fit you and your pet’s particular needs. Claims through the app went easy and fast. This is my first time putting in a claim. So far I’m happy with the process and the product.”

Jason J. says:

“I have been trying to have a claim paid for over [three] months now. They keep requesting the same information that has already been provided multiple times. The customer service [representative] assured me every time that they have everything they need. Then I receive an email asking for what has already been provided. They reimbursed me for all the small claims, but after my dog had surgery, they seem to refuse to process this claim. I don’t know what’s going on, but I would tread cautiously.”

Comparing ASPCA to Other Pet Insurance Providers

Quickly compare the features from top-rated pet insurance companies:

Best For Star Rating
Lemonade Best Overall
Spot Most Customizable Plans
Embrace Best Deductibles
ASPCA Best for New Pet Owners
Fetch Pet Insurance Best Holistic Coverage
Healthy Paws Best Coverage Limit
Prudent Pet Most Comprehensive Plan
Figo Best Extra Coverage Add-On
Pumpkin Best for Dental Coverage
Best For Best Overall
Star Rating
Get Quote
Best For Most Customizable Plans
Star Rating
Get Quote
Best For Best Deductibles
Star Rating
Get Quote
Best For Best for New Pet Owners
Star Rating
Get Quote
Fetch Pet Insurance
Best For Best Holistic Coverage
Star Rating
Get Quote
Healthy Paws
Best For Best Coverage Limit
Star Rating
Get Quote
Prudent Pet
Best For Most Comprehensive Plan
Star Rating
Get Quote
Best For Best Extra Coverage Add-On
Star Rating
Get Quote
Best For Best for Dental Coverage
Star Rating
Get Quote

FAQs About ASPCA Pet Insurance

Does ASPCA cover pre-existing conditions?

Like all other pet insurance companies, ASPCA doesn’t cover pre-existing conditions in its policies.

How long is the waiting period for ASPCA plans?

ASPCA policies have a 14-day waiting period for both accidents and illnesses. This means any conditions that arise during this period will not be covered.

Is there a difference between ASPCA Pet Health Insurance and Hartville Pet Insurance?

Hartville Pet Insurance and ASPCA Pet Health Insurance offer similar products since they’re both provided by the parent company, Crum & Forster Insurance Agency, Inc. However, they are two separate brands.

How do I reach ASPCA’s customer service?

ASPCA’s customer service can be reached by email or by phone during the following hours: Monday through Friday, 8:00 a.m. to 8:00 p.m. EST. It currently doesn’t offer any weekend customer service availability.

Our Conclusion

In addition to being a top company for new pet owners, ASPCA Pet Health Insurance includes a few treatments and procedures that some other providers don’t cover, such as exam fees and microchipping.

However, its lower maximum annual limit of $10,000 and hard-to-reach customer service make it less favorable when compared to other top providers like Lemonade or Healthy Paws, which both feature high coverage caps and a live customer service chat.

Our Rating Methodology

The This Old House Reviews team is dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

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