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ASPCA Review
Reviews 4,090
ASPCA Pet Health Insurance
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ASPCA Pet Health Insurance
ASPCA Pet Health Insurance
Excellent
Reviews 4,090
Jacob Parker
Jul. 27, 2021
2 min read
Jacob Parker
ASPCA Pet Health Insurance summary
ASPCA, which is frequently referred to as the American Society for the Prevention of Cruelty to Animals, was founded in 1866 and is one of the oldest humane societies operating today in the United States. With a flexible choice of vet networks and diverse coverage levels, it’s worth considering ASPCA when purchasing your next pet insurance package.
Pros
  • Discounts for multiple pets
  • Preventative care options
  • Up to 90% of costs covered
Cons
  • Pregnancy-related costs excluded
  • Not a direct underwriter

ASPCA Pet Health Insurance at a glance

4.0
Editorial score

Online experience

Great site with learning resources
4.0

Customizable rates and services

Customizable plans and rates, 50-90% reimbursement No upper age limit
5.0

Claims payout waiting period

Over 2 weeks
3.0

Customer support

Evening and weekend customer service available
3.0

Bundles

Multi-pet and multi-policy bundles available
5.0

ASPCA Pet Health Insurance ASPCA Pet Health Insurance Visit Site

What’s Covered? 

Depending on the specific plan you go for, ASPCA’s pet insurance will cover the cost of a variety of treatments for your furry friends. If you go for the highest level of coverage offered by this provider, costs relating to accidents, illnesses, and behavioral problems will be covered.

ASPCA even pays out for alternative therapies and congenital condition-related costs. What’s more, if you select the right add-on to your plan, the company will also cover preventative care services.

Insurance Plans & Pricing

ASPCA’s pricing system is relatively straightforward. There are two basic plans to choose from as well as a handful of preventative care add-on packages. Whichever one you opt for, it’ll cost less if you pay upfront for a year because ASPCA adds on a $2 transaction fee to monthly bills.

Accident-Only

The cheapest ASPCA plan is the Accident-Only Coverage package. Depending on your pet’s characteristics, like breed and age, and the deductible, coverage limit, and reimbursement levels you select, this plan could cost as little as $14 per month.

Complete Coverage

Customers looking for additional peace of mind might want to select ASPCA’s Complete Coverage package. Besides accidents, the Complete Coverage plan will pay out for costs incurred due to illness, behavioral issues, and more.

If needed to treat a covered condition, the Complete Coverage package can even be used to pay for prescription foods and supplements. ASPCA quoted us $26.97 per month to cover our three-year-old medium-sized mutt, with a low coverage limit and a $500 deductible, under the Complete Coverage plan.

Preventative Care

For $9.95 per month, you can add ASPCA’s Basic Preventative Care package to your Accident-Only or Complete Coverage plan. Doing so will get you a total of $250 worth of annual benefits to go towards things such as a rabies vaccine, deworming, and wellness exams.

Also available is a $24.95 per month Prime Preventative Care plan which bumps your benefits up to $450 annually and adds coverage for flea prevention treatments and blood tests.

What's Not Covered

Even with ASPCA’s Complete Coverage subscription, some costs won’t be covered. Pre-existing conditions, cosmetic procedures, and breeding costs are all excluded from this provider’s plans.

Waiting Periods

Once you start an ASPCA subscription, you’ll have to wait at least 14 days before the policy kicks in and your costs begin to be covered by the service. Claims and reimbursements are processed by ASPCA in 30 days or less.

Coverage Limits

When configuring your plan, you’ll need to choose a coverage limit between $3,000 and $10,000. This is an annual cap that gets reset on the anniversary of your subscription.

Reimbursement and Deductibles

ASPCA reimburses 70% to 90% of costs for covered treatments and deductibles of $100, $250, and $500 are on offer. For example, if you were to opt for a $250 deductible with an 80% reimbursement rate, and then incurred $1,000 of treatment costs in the first year of your plan, you’d end up being paid back $600.

Claims and Service

All you have to do to submit a claim with ASPCA is log in through the company’s mobile app, write a summary detailing your expenses, and attach a picture of your invoice.

The ASPCA customer service team is available during standard ET business hours. You can get in touch over the phone or via email.

What You Might Like

Even though ASPCA’s insurance is technically underwritten by the United States Fire Insurance Company, by taking out coverage with this provider, you’ll be contributing to a reputable humane charity.

What ASPCA Could do Better

Although many previous customers report having positive experiences with ASPCA’s pet insurance service, others complain of justified claims being rejected and long waits for reimbursements.

Contact Details and Address

You can get in touch with ASPCA’s customer service team by calling 1-(866)-204-6764 or emailing cservice@aspcapetinsurance.com.

Crum & Forster, who administer ASPCA’s insurance, are headquartered at:

6404 International Pkwy # 1000,

Plano, TX 75093

How ASPCA Pet Health Insurance Compares


ASPCAPumpkin
Waiting period14 days14 days
Reimbursement rate70% to 90%90%
Annual deductible$100 to $500$100 to $500
Coverage limit$3,000 to $10,000$7,000 or $15,000 for cats,
$10,000 or $20,000 for dogs

Bottom Line

ASPCA can help you to feel confident that you’ll be able to afford unforeseen costs related to your pet’s health while supporting an important nationwide humane society.

Methodology

To evaluate ASPCA’s services, we explored the company’s website, requested quotes, and researched the experiences of previous customers via review aggregation services.

ASPCA Pet Health Insurance ASPCA Pet Health Insurance Visit Site

Disclosure

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.

Jacob Parker
Written by
Jacob Parker
Jacob Parker is a financial and technology writer. With a background in climate science, he's deeply interested in the intersection of fintech and sustainability and has a passion for impact investing and ESG research. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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See what some costumers are saying about ASPCA Pet Health Insurance
ASPCA Pet Health Insurance
Excellent
Reviews 4,090
on
Excellent
77%
Great
11%
Average
4%
Poor
2%
Bad
6%
V
valeria ray
4 days ago
Great Customer Service
The Rep was very helpful and knowledgeable.
K
krista swanson
18 hours ago
I,love,fluffy furry,cats,they,are,extremely,very,nice,
Hi,my,name,Krista,Marie,Swanson,i,love,cats,cause,I’m,a,cat,person,on,earth,and,i,would,love,to,get,a,new, Fluffy,furry,coat,cat,first,name,Clouie,middle,name, Jessica,last,name,Princess,/love,Krista,Swanson,
J
jane dabrowski
18 hours ago
I just purchased the policy for the…
I just purchased the policy for the first time and have not used it as of this post. The sign up process was easy and quick.
R
rozanne scott
a day ago
Easy to sign up and rates are good
Easy to sign up and rates are good. However I can’t register to be able to file a wellness claim because nowhere in The emails you sent is there an account number. Can you send it?
R
rachel
a day ago
Was Good at First then Became Expensive with Poor Service
Negatives: They rarely pay out anything and they get more and more expensive every year even if your pet doesn't have any conditions or issues. Their customer service is pretty poor and they don't actually care about keeping customers. They don't actually explain why they paid a claim a certain way - at least not in terms anyone outside of the insurance industry can understand. Positives: It's easy to submit a claim online.
D
deanna sadler
5 days ago
Awesome
Quick and easy haven’t used it yet but enrilleing was easy
K
k johnson
5 days ago
No experience yet
No experience yet. I’m only basing it on your literature I picked up ata vet
R
ray ferrari
5 days ago
Very easy to use .
Very easy to use .
L
larry choat
6 days ago
Good payout
I had a very expensive vet bill with a spay and a cist removal. All but a $100 was covered. Better than I expected.
A
alan
6 days ago
As a native New Yorker
As a native New Yorker, I have nothing but respect for the ASPCA and the services it provides. I enrolled in the pet insurance that the ASPCA recommended . The enrollment process couldn't have been easier and the follow up has been well executed.
D
debbie blood
6 days ago
Easy to understand
Easy to understand. And easy to use site.
M
megan hurst
6 days ago
I thought the insurance would cover my…
I thought the insurance would cover my right right after I enrolled but apparently that’s not true :(
p
patricia green
6 days ago
When I bought the policy I was NOT…
When I bought the policy I was NOT informed that it would not activate weeks after !!
c
customer
6 days ago
Great service easy to use
Great service easy to use
R
ruba collette
6 days ago
Amazing
Easy, affordable and this way I will make sure my cat’s health is good
B
bernie theus
6 days ago
Easy
Nothing I can say.
L
linda leach
6 days ago
Very fast response.
Very fast response.
L
lisa myers
7 days ago
Easy to get started
Easy to get started. Most vets accept it. Great coverage!
R
robert m
8 days ago
Best Investment
You love your fur babies. Take care of them with ASPCA Pet Insurance. This helps ensure you can give them the best possible care when needed.
L
lisa m zappala
8 days ago
Easy to sign up
Easy to sign up. Website is nice and easy to work with. Good coverage for the price. Offers more than others for better cost.
Y
yanira reyes
8 days ago
The breakdown of the plans is great
The breakdown of the plans is great. The i icon helps one understand if you don’t understand something.
N
nikki tiedemann
8 days ago
Very long times to process claims and I…
Very long times to process claims and I had to call several times.
C
cyril domingo
8 days ago
Signing was easy and seems affordable
Signing was easy and seems affordable. Haven't used any other insurance so we will see.
L
lb
8 days ago
Great response time and in processing…
Great response time and in processing claims.
G
geneva feaster
8 days ago
Easy to set up
Easy to set up. Website was awesome
M
michelle barbara
8 days ago
Excellent communication
Excellent communication
m
mark atkinson
12 days ago
I filed a claim and the support staff…
I filed a claim and the support staff was very nice, no issues with them at all. My dog has had issues in May with his stomach but our clinic have not been able to figure out why he was throwing. Prior to getting insurance he had an issue the vet prescribed a few pills to help settle his stomach which we used from time to time over a month. It's a French Bulldog and they tend to have digestive issues and he was fine until Sept and had a bout with his stomach and we call and could not get into see the vet until Dec whcih at that point they prescribed about 4 meds and stated to keep him on his strict diet which we have. Our bill was $336 and once I submitted the claim they needed med records which the vet provided and at that point they decide it was "pre-existing condition" which is a crock of "you know what " I called and got the standard well he a condition back in May so unfortunately it's not 180 days from the "pre-existing condition" so we can't take anything off your deductible and all the meds will not be covered. I tried in vein to explain but of course no assistance and I'm trying to explain you take my $143 every month and the 1st claim I submit is denied because a dog can't throw up for 180 days or your out of luck. BUYER BEWARE! I really thought his was a great way to protect our dog I assure they didn't ask me any questions nor did they ask my vet. Just requesting medical records does not indicate it's related. Ask questions many before you sign on.
C
crystal hernandez
12 days ago
I like it
I like it. Very polite and understand
L
lisa locke
12 days ago
Very easy to use web site and claim…
Very easy to use web site and claim process.
J
jaci
13 days ago
The published literature was concise…
The published literature was concise and informative. Your comparisons and participation in the comparison app was very helpful.
S
sharon gable
13 days ago
have not use your insurance yet.
have not use your insurance yet.
H
hometree
13 days ago
Peace of Mind!
I have a senior horse and mortality/medical/accident insurance has gotten too expensive for me. ASPCA medical/accident plus the preventive care maintenance program provided exactly what I needed to guarantee quality care and maintain peace of mind in caring for my senior guy.
S
susan
15 days ago
Being able to have insurance for my dog…
Being able to have insurance for my dog gives both of us comfort -- just in case we find a serious ailment.
C
carol shaw
15 days ago
Best pet insurance - EVER
The entire claims process is effortless- you are constantly kept in the loop and the customer service is outstanding. Other human and pet insurance Carrie’s should take a page from this level of service and professionalism . If you are thinking of getting pet insurance - don’t hesitate to sign up here .
J
jessica
18 days ago
Highly recommend this insurance
Highly recommend this insurance! It’s very affordable and they are very easy to deal with. They processed my claims without any issues.
J
jeannie summers
18 days ago
Excellent customer service!!
Excellent customer service!!
D
donna sanders
18 days ago
The website was easy to use and gave me…
The website was easy to use and gave me all the information that I needed.
V
vicky connor
19 days ago
It was easy to sign up for but I cannot…
It was easy to sign up for but I cannot log in to the portal to review anything
J
jayla
19 days ago
……..
………………………..
m
michael f denning
19 days ago
can't log in and forgot password…
can't log in and forgot password prompts go to nowhere
S
susan smith
19 days ago
I couldn’t be happier
I couldn’t be happier. It is easy to turn in claims and the copay appears in my account quickly. So glad I got it.
R
rossana
20 days ago
I have to pay full amount and they…
I have to pay full amount and they can’t reimbursed
C
candie schroeder
20 days ago
Love to support animal rescue
Love to support animal rescue. Very good insurance for our rescue.
M
marissa lyman
20 days ago
Easy to use platform
Easy to use platform. They even called to offer their condolences after my cat died.
S
sarah
20 days ago
Love the customizable plans
Love the customizable plans ! Hopefully I never have to use the insurance- but gives me some peace of mind.
D
donna williams
20 days ago
Love ASPCA Pet Insurance
Love ASPCA Pet Insurance, easy to submit claims and they are quick to respond. Well worth the investment!
M
mary spinhirne
20 days ago
It’s pretty easy to use
It’s pretty easy to use. I’m excited to get my animal to the vet to get her updated on shots and also get her a wellness check.
M
maria mammano
21 days ago
My cat Skittlez is over rainbow bridge
My cat Skittlez just passed after having cancer. I have had this pet insurance since he was born. Very generous claim coverage with fast payout. On a personal note a rep called me up today to offer condolences. It was heartwarming. They also sent an email cancelling his policy. I didnt have to make that call. I would reccomend this insurance to any true pet lover.
E
eco
21 days ago
Great response time and the claim was…
Great response time and the claim was honored no questions asked.
consumer-image
rowena
20 days ago
Excellent service!!
Customer service is always friendly and professional, claims processing and payment of claims has been in a very acceptable time frame. I was disputing an unpaid claim, and they contacted my vet's office got the information they required and I received my reimbursement within about 5 days 👍.
E
enrique clarke
22 days ago
It was easy af
It was easy af
R
ronald freeman
22 days ago
couldn't log in
couldn't log in
W
wesley stone
22 days ago
123 and abc
Everything has been so easy from start right down to using the app not to mention the 24hour help line is so convenient
J
julia berberena
22 days ago
Everything was good!
Everything was good!
E
ernest mackey
22 days ago
I had know problems understanding and…
I had know problems understanding and navigating site.
C
cheryl a bush
22 days ago
It was very easy to choose coverage and…
It was very easy to choose coverage and setup autopay. I have been a supporter of ASPCA for years and trust the organization which is why I chose ASPCA pet health insurance over other options.
M
mera halloway-paulino
22 days ago
love this insurance!!
love this insurance!!! one of the best decisions i have made
K
kelly nguyen
24 days ago
Have had this pet insurance for 2 years…
Have had this pet insurance for 2 years and only started using it this year due to my cat starting to get sick. Claims can take awhile but that's fine with me. They have never challenged the bill and was quick to respond to any questions I had. I have no regrets getting ASPCA Pet insurance. It has been a life saver for my cat. I have no fear of going into the vet getting care for my cat and worrying about the cost.
R
richard jurewicz
25 days ago
A must-have for responsible pet owners
ASPCA pet insurance is a must-have for all pet owners. From wellness check-ups to diagnosis and treatment of serious conditions, they have been there for all of our cats for the past 15 years or so. Quick claims process with helpful and caring staff. Highly recommended.
H
hermila vega
a month ago
Quick and easy
Quick and easy
E
erin harmon
a month ago
Very honest and makes things easier
Very honest and makes things easier
consumer-image
linda lee skapik
a month ago
Easy to navigate website
Easy to navigate website
B
bryan fouquet
a month ago
ASPCA has always been super helpful and…
ASPCA has always been super helpful and supportive. They’ve taken care of my animals and me every single time we’ve had an issue. I’d highly recommend them for someone looking for pet insurance.
S
shawn a
a month ago
Claims are not processed in 2 days.
I did a lot of research and they stated that claims would be paid out in 2 days. Here we are a week later and nobody has even looked at my claim. Now they say claims are processed in 12 business days.
D
dennis dawton
a month ago
Support took a week to respond to a…
Support took a week to respond to a simple question that was not in fact answered! My request was sent by email and should have been responded in a maximum of a couple of days. Auto generated responses do not count. If you have an online service your support should reflect that level of service! Update: Thanks for the response to my Trustpilot. Wow only an hour... Kind of my point!!
B
braden doxey
a month ago
Bad coverage.
Unfortunately due to the heartless decision of this so called insurance company we are having to make the tough choice right now of whether to put our cat Woody down. This cat has been a part of our young family for 2.5 years. We took him to the hospital back in September due to a problem that he had with one of his knees causing him not be able to walk. He also had to have surgery at that time to remove a blockage in his bladder. We went into a lot of debt to pay for that surgery. We got this insurance at that time to protect us in case something else came up. A month later we were told by our vet that completely unrelated to what we were informed before with his knees Woody now has degenerate hip disease. We submitted a claim with this so called insurance company who then informed us that they are unable to cover it due to preexisting conditions. Somehow hips are closely enough related to knees that that our cat's prior incident was considered a pre-existing condition?? If you don't have this insurance already don't start it. If you do cancel it. They will find every excuse they can to not cover the care your pet needs. I would advise that the Better Business Bureau investigate the fraudulent practices and standards of this so called insurance company. Protect you and your pets by staying out and getting out of this insurance company. My estimate # was 3855133
L
lula sanders
a month ago
I was able to login and make a payment
I was able to login and make a payment
D
donna rapp
a month ago
Not used yet can’t till after 1/17/2023
Not used yet can’t till after 1/17/2023
C
concepcion soares
a month ago
I do believe that this company is a…
I do believe that this company is a great one
K
kimbery cook
a month ago
The information was clear and the…
The information was clear and the pricing structure was understandable.
A
angela gibson
a month ago
Easy to pick and choose what you want…
Easy to pick and choose what you want for coverage and deductible. Very open about what is covered. No surprises so far.
C
carrie fenner
a month ago
Totally worth it
I pay $35 /month for peace of mind. That doesn't cover well visits or shots, but it covers everything else. My 2 yr old standard poodle developed thrombocytopenia right before Christmas, requiring an emergency vet visit on Christmas Eve and multiple tests to figure out why she was so lethargic and bleeding out of every orifice. We had already met our $500 deductible, so we were reimbursed 90% of the $3000+ cost. Submitting the claims is super easy and the reimbursement is direct deposited into our checking account in about a week. None of our claims have been challenged, questioned or denied. In a world in which dealing with big companies, insurance, etc typically means waiting on hold, being scammed and not getting what you paid for, it's been refreshing to have such a straightforward and easy experience with an insurance company! If only human insurance could be the same.
J
jamila gray
a month ago
I would like to point out who I spoke…
I would like to point out who I spoke to over the volume was pleasant, sweet, and showed that this was not just her job, but her personality. The agent helped me register for the account online and it was a breeze, she was swift and to the point.
H
helen tinsley
a month ago
First time
I've never had pet insurance before and your site made it easy to find information and to sign up
Z
zak marsh
a month ago
Excellent staff
Excellent staff, always kind and knowledgeable.
M
michelle pfitzer
a month ago
My 4 month old Luna was diagnosed with…
My 4 month old Luna was diagnosed with Lymes Disease. I filed my claim and payment was issued without delay.
S
susan swearengin
a month ago
I just cancelled my coverage on both of…
I just cancelled my coverage on both of my pets after the rude interaction I had with the company representative. I have never filed a claim but any time I contacted these people it was a difficult experience.
S
stacie flood
a month ago
There has been ZERO response
There has been ZERO assistance or contact in response to emails and the website says my zipcode is incorrect so I can not register my account. I KNOW MY OWN ZIP CODE
M
mallory
a month ago
Excellent coverage for wellness/preventive care.
Excellent coverage for wellness/preventive care. Easy to file a claim. No issues with getting reimbursed. I definitely recommend!
J
jon koella
a month ago
Won't cover pet hurt in accident…
Won't cover pet hurt in accident because of something trivial. You're willing to take my money immediately but not cover my bet until weeks later. So I paid for a service I can't use and now I'm being told that my dog being hit by a car that jumped a curb isn't covered and now has a "pre-existing condition"
B
brandie rickman
a month ago
Both of my cats are very important to…
Both of my cats are very important to me thanks for letting me do this for my baby
T
teri
a month ago
While researching for a company to use…
While researching for a company to use for pet insurance your brand came up as highly rated in all of my reviews and matching the criteria I had been looking for.
C
cynthia printz
a month ago
I just signed up
I just signed up, I don't have an "experience" yet. When it's time to use it, that will determine my level of satisfaction.
S
stephen kueny
a month ago
Very helpful insurance representative…
Very helpful insurance representative at ASPCA claims department. Continue to have issues on claim site but had a very positive experience.
consumer-image
nicole church
a month ago
Great Value, Great Coverage
I love the fact that it offers ligament repairs/knees for more than 1 knee over the life if my dogs. I felt that in comparison, the premiums were the best that I had seen for other plans with less coverage
D
daniel nicolaison
a month ago
Signup Process
I have not yet used the insurance, but the signup process was extremely easy and straight forward.
S
sheri breed
a month ago
Very easy claim submission and quick…
Very easy claim submission and quick reimbursement!
V
victoria castro
a month ago
Answer all my questions took time to…
Answer all my questions took time to explain everything to me
I
ivette lopez
a month ago
Excellent Pet Insurance
Excellent service since I started with ASPCA pet insurance on 06/2020. I recommend ASPCA to all pet owners who are looking for pet insurance.
M
mary wagner
a month ago
Need to talk to someone please...
Need to talk to someone please...
K
kenneth sweet
a month ago
My insurance hasn’t started yet
My insurance hasn’t started yet so I don’t have any real experience. Seemed simple enough to sign up for though
G
gina v
a month ago
The caller was informative and kind.
The caller was informative and kind.
A
anna
a month ago
Horrible Customer Service
They are horrible. Everything is a preexisting condition, and they do not cover for anything, and when you call them they do not even try to help you. Waste of time. Waste of money
K
ksmith
a month ago
The sign up was easy but I haven't used…
The sign up was easy but I haven't used it yet.
S
sharon r
a month ago
Ease of use with clear instructions.
Ease of use with clear instructions.
K
korey rhoten
a month ago
Zane insurance
I am happy with my experience easy to use easy to read the size of the print is easier for a low vision person
D
dianne couture
a month ago
so fast to get my refund back in my acct
so fast to get my refund back in my acct
C
catherine wilson
a month ago
Communication is outstanding
Communication is outstanding. An immediate email, follow up phone call and text.
D
donna lepley
a month ago
So automated
So automated. Can’t talk to anyone real. Was impossible to cancel. Coverage wasn’t even that good.
B
brian novak
a month ago
Never received my account number so I…
Never received my account number so I can not register