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ASPCA Pet Insurance Review and Pricing (2024 Guide)

Author Image Written by Brenda Woods Updated 04/17/2024

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.

*AM Best ratings accurate as of January 2024

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.
Best for New Pet Owners
  • Offers a 30-day money-back guarantee
  • Covers behavioral issues
  • Includes coverage for exam fees for eligible accidents and illnesses
  • 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 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.

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.

Monthly Cost
4.3 / 5
4.3 / 5
Company Reputation
4.7 / 5
4.7 / 5
Plan Options
5 / 5
5 / 5
Customer Service
3 / 5
3 / 5
4.4 / 5
4.4 / 5
Eligible Species
5 / 5
5 / 5

Some highlights include:

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

How Does ASPCA Compare to Other Pet Insurance Providers?

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

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$33.69 $13.32 VISIT SITE
$38.44 $21.53 VISIT SITE
$65.15 $53.43 VISIT SITE
$20.76 $18.47 VISIT SITE
$44.83 $24.68 VISIT SITE
$49.85 $26.55 VISIT SITE
$44.79 $16.36 VISIT SITE
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

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

PlanBasic Preventative CarePrime 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



What Are ASPCAs 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

How Much Does ASPCA Pet Insurance Cost?

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/breedDog – Medium MixedDog – Golden RetrieverDog – Yorkshire TerrierCat – Domestic Medium Hair

Accident-Only Coverage Plan





Complete Coverage Plan





What Discounts Does ASPCA Offer?

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.

Where Is ASPCA Pet Insurance Available?

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.

How Do Customers View ASPCA Pet Insurance?

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.

“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.”

Leonard A.

“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.”

Jason J.

Is ASPCA Pet Insurance Worth it?

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.

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 Rating Methodology

We are 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.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.