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ASPCA Pet Health Insurance

ASPCA Pet Health Insurance logo

ASPCA Pet Insurance offers major medical, wellness and accident only coverage for dogs and cats. They are one of the oldest and most respected pet insurance providers in the U.S. ASPCA recently updated their old plans with a new policy called Complete Coverage, which provides even better coverage than their old plans.

Average Price
$25 - 54/mo.
A.M. Best Rating A
BBB Rating A+
Customer Satisfaction NA
Total Reviews NA
Deductible $100 - 500
Reimbursement 70 - 90%
Annual Limit $5,000 - Unlimited
Waiting Period for Accidents 1 day
Waiting Period for Illnesses 14 days
Waiting Period for Orthopedic Coverage 14 days
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness Coverage
Vet Restrictions None

Pet insurance does not cover pre-existing conditions

ASPCA Pet Health Insurance insurance is also affiliated with other organizations you might be familiar with:

  • ASPCA Health Insurance
  • Hartville Pet Insurance
  • Pekin Pet Insurance
  • Petshealth Care Plan
  • Premier Pet Insurance


Coverage Overview


Major Medical Coverage

ASPCA offers coverage for dogs and cats in all 50 states. Pet Owners can choose from four different levels of coverage for accident and illness coverage. Additionally, ASPCA offers wellness coverage for routine, annual care expenses for an additional cost.

Complete CoverageSM
Annual Limit $5k - Unlimited
Reimbursement 70, 80, 90%
Deductible $100, 250, 500
Waiting Period - Accidents 1 day
Waiting Period - Illnesses 14 days
Waiting Period - Orthopedic 14 days
Waiting Period - Wellness Care 14 days

Wellness Coverage

ASPCA offers three levels of wellness coverage.

Treatment Basic Standard Prime
Dental Cleaning $100 $150 $175
Wellness Exam $50 $50 $50
DHLPP Vaccine $20 $25 $25
Rabies Vaccine $20 $25 $25
Fecal Test $20 $25 $25
Heartworm Test $20 $25 $25
Deworming $20 $25 $25
Flea / Heartworm Prevention
- - $50
Blood Test - - $25
Urinalysis - - $25
Bordatella Vaccine - - $25
Health Certificate - $25 $25
Total Annual Benefit $250 $350 $500

Accident Only Coverage

The accident only plan covers accidents only and excludes illnesses. That is why we do not recommend this level of coverage.

Source: Sample Plans

Customer Reviews


ASPCA Pet Health Insurance has a very favorable average customer rating at 86%. Here is an overview of the total reviews and scores from pet parents just like you!


Source Avg. # Reviews
Google - -
Facebook - -
BBB 74% 2
Yelp 30% 108
Trustpilot 96% 684
Shopper Approved - -
Pet Insurance Review 88% 3,377
Consumers Advocate 76% 24
Consumers Affairs 20% 93
Provider Reviews - -
Total 86% 4,288


Customer satisfaction percentages are based on reviews (as of Updated November 6, 2017) collected from 10 sources. Review scores are updated on a routine basis to ensure that data and information are up-to-date. All sources of pet insurance reviews use different scoring methods so we convert them all to a simple 100% scale. This ensures that our customer satisfaction ratings are apples-to-apples. For example, Google uses a five-star review system, so we just multiple each review by 20 to get a 100% scale.


ASPCA is relatively competitive but slightly more expensive than other companies in the market. That is why they received a respectable rating on price.


Major Medical Plan Costs

Here are some sample of costs for the Comprehensive Coverage Plan. This is ASPCA's standard dog insurance coverage option.

ASPCA Dog Insurance
Cost *
Mixed Breed Dog $62/mo.
Labrador Retriever $74/mo.
Yorkshire Terrier $68/mo.
Golden Retriever $79/mo.
Dachshund $88/mo.
Chihuahua $84/mo.
German Shepherd $86/mo.
Shih Tzu $70/mo.
Boxer $97/mo.
English Bulldog $92/mo.
Average for All Dogs $70/mo.

And if you're more of a cat person here is a sample of cat insurance costs for the top 10 most popular cat breeds in America.

ASPCA Cat Insurance
Cost *
Mixed Breed Cat $48/mo.
Domestic Shorthair $53/mo.
American Shorthair $53/mo.
Siamese $57/mo.
Maine Coon $62/mo.
Persian $64/mo.
Ragdoll $51/mo.
Bengal $55/mo.
Russian Blue $64/mo.
Himalayan $62/mo.
Average for All Cats $48/mo.

Wellness Coverage Costs

Here are the costs for each level of wellness coverage.

Wellness Plan Cost
Basic $9.95/mo.
Standard $14.95/mo.
Prime $24.95/mo.

ASPCA Overview


ASPCA Pet Insurance is operated by the Hartville Group, Inc., which is based in Canton, Ohio. The company was founded in 1997 making it the second oldest pet insurance company in the United States. The Hartville Group is underwritten by the United States Fire Insurance Company, which has an A.M. Best Insurance rating of A (Excellent).

Waiting Period No wait for accidents or wellness coverage, 30 days for illnesses, 6 month waiting period for hereditary conditions, 12 months for orthopedic issues
Claims Reimbursement Most claims paid within 2 weeks
Multiple Pet Discount 10% for additional pets
Online Quote Discount None
Vet Policy Use any licensed veterinarian in the U.S.
Phone 1-888-716-1203
Hours of Operation Mon - Fri:  8:00 am - 9:00 pm EST, Sat: 9:00 am - 5:00 pm EST
Trial Offer 30-day money back guarantee

Company History

Underwriter United States Fire Insurance Company (A)
Headquarters Canton, Ohio

Policy Exclusions

  • a. Aesthetic, cosmetic, endodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.
  • b. Anal sac (gland) expression and/or resection when no infection is present
  • c. Boarding
  • d. Breeding, pregnancy, whelping or nursing
  • e. Conditions that occur during a waiting period
  • f. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking)
  • g. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement
  • h. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven
  • i. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
  • j. Herbs
  • k. House call fees, time and travel expenses to and from the veterinarian's premises or hospital.
  • l. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
  • m. Non-medical supplies such as but not limited to toys, training devices, and leashes.
  • n. Non-Veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage and tax).
  • o. Pre-existing Conditions that occurred on or before the effective date of the policy or during a waiting period.
  • p. Prescription food, pet food, diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
  • q. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
  • r. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
  • s. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.


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