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ASPCA Pet Health Insurance

ASPCA Pet Health Insurance logo

Overall Rating ★★★★
Customer Satisfaction 86%
Total Reviews 4,604
Major Medical Coverage Yes
Wellness Coverage Yes

ASPCA Reviews | Pet Insurance Reviews

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.

ASPCA is also affiliated with other organizations you might be familiar with:

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

Overall Score

ASPCA Pet Insurance is one of the biggest and most respected pet insurance companies in America. Their new Comprehensive Coverage plan is a great option for any pet owner.

Attribute ASPCA Rating
Exclusions ★★★
Payout Limits ★★
Orthopedic Coverage ★★
Hereditary Disorders ★★
Chronic Conditions ★★★
Cancer ★★★
Emergency Care ★★★
Waiting Periods ★★★
Dental Coverage ★★★
Prescription Meds ★★★
Deductible ★★
Age Restrictions ★★
Wellness Coverage
Pre-Existing Conditions
Cost ★★★★★
Company ★★★★★
Expert Reviews ★★★
Customer Reviews ★★★
Claims ★★★
Ease of Enrollment ★★
Overall Rating

Source: Overall Score


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 Coverage Plan
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


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 Costs

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

Top 10 Dog Breeds 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.

Top 10 Cat Breeds 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.

Customer Service

Customer Reviews

Customer Satisfaction: 86%

Total Reviews: 4,604

Recent Reviews

"Pet insurance isn't something that many dog owners know about including my husband and me. We chose ASPCA pet insurance based on the ASPCA brand backing and it's been a great. We made one $2,000 claim 6 months ago and it was paid via check within 2 weeks of our submission. Very easy."


"I've read a lot of reviews about disgruntled pet owners and it's too bad they didn't just start with ASPCA. We've been with them for nearly 8 years and never had any problems. The deliver on claims and when a claim is denied they have a clear explanation. Overall ASPCA pet insurance is well worth the money."


"Saved Me $5,000! Our lab mix Donny suffered from canine hip dysplasia and the replacement surgery cost $6,800 for one hip! ASPCA reimbursed us $5,000 (which was our max limit) for the surgery. Hey, I was happy because for only $28/mo they saved me $5,000. Great value."


More Stories: ASPCA Pet Insurance Reviews

ASPCA Overview


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

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).

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

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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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