ASPCA Pet Insurance Review

Protect your pets with pet insurance that saves you more with each pet you add

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ASPCA Pet Health Insurance

ASPCA Pet Health Insurance

overall rating

Our Take 

The American Society for the Prevention of Cruelty to Animals (ASPCA) offers customizable accident and illness policies with optional preventive care coverage. Its affordable premiums, low-priced wellness coverage, and multi-pet discounts make it simple to build a policy that’s easy on your budget.

  • Accident-only coverage available

  • 30-day money-back guarantee

  • 10% discount for each additional pet

  • Flexible billing options

  • No unlimited or zero-deductible options

  • Wellness plan caps at $450

  • Longer reimbursement period

  • ASPCA offers customizable pet insurance with add-on wellness coverage.  
  • An optional wellness rider covers prescriptions and alternative treatments.
  • Some flexibility is provided for pre-existing conditions.
  • Year Founded 1866
  • Deductible $100 to $500
  • Types of Services Available Accident-only insurance, accident and illness insurance
  • Additional Features Wellness rider
  • Official Website
ASPCA Pet Health Insurance

ASPCA Pet Health Insurance

overall rating

ASPCA offers pet insurance through a partnership with Hartville Pet Insurance. Its comprehensive accident and illness and accident-only policies, generous wellness rider, and flexible pre-existing condition policy help further the organization’s mission to improve the quality of life for pets and pet owners.

We reviewed ASPCA’s coverage details and exclusions, add-on services, discount pricing, customer service, ratings, and more to help you decide if its plans are right for you.           

Company Overview: Protecting Animals for Over 150 Years 

Established in 1866 to promote animal welfare, the ASPCA began offering health insurance policies through Hartville Pet Insurance Group in 2006. Since then, ASPCA has insured more than 400,000 dogs and cats and processed more than 1.6 million claims.

The company offers a customizable policy builder with deductibles as low as $100, reimbursements for 70% to 90% of vet bills, and an optional wellness rider that covers prescription medications and alternative treatments. You can also get a 10% discount for each additional pet you insure.

ASPCA’s consumer ratings are mixed. Trustpilot gives the company an Excellent rating, while Yelp rates it below average. Yelp reviewers complain about long wait times for reimbursement and sudden premium increases. Trustpilot reviews acknowledge the company’s slow claims process but praise its friendly and helpful customer service.

ASPCA’s policies are underwritten by United States Fire Insurance Company which has an A rating for financial stability from AM Best.       

Policies Available: Accident and Illness

ASPCA offers fully customizable accident and illness and accident-only insurance policies for cats and dogs. Just enter your pet’s info along with your ZIP code on the online quote generator and you can build the plan you want in minutes with the following coverage options: 

  • Deductible: $100, $250, $500
  • Annual Coverage Limit: $3,000, $5,000, $7,000, $10,000, $15,000
  • Reimbursement: 70%, 80%, 90%

Accident and Illness

ASPCA requires you to wait 14 days after your policy begins before you file an accident or illness claim. Any claims filed before the waiting period expires are automatically denied. ASPCA will also cover pre-existing conditions if your pet has been symptom and treatment-free for 180 days.

The following services and treatments are covered by ASPCA’s accident and illness insurance:            

  • Accidents
  • Illnesses
  • Hereditary and congenital conditions
  • Behavioral issues related to anxiety or compulsive behavior
  • Prescription medication
  • Prescription food and supplements
  • Microchip implantation


ASPCA also offers accident-only coverage for cats and dogs with the same 14-day waiting period as its accident and illness plans. This policy only covers diagnostic exams and treatments resulting from injuries.

ASPCA covers prescriptions, prescription pet food, and alternative therapies for covered conditions in its standard policies.

Other Add-Ons: Wellness Coverage 

In addition to accident and illness and accident-only insurance, ASPCA offers two optional wellness care plans that will reimburse you for preventive and routine pet care. You can choose between the Basic Preventive Care plan for $9.95 per month with an annual limit of $250 or the Premium Preventive Care plan for $24.05 per month with an annual limit of $450. 

The prices below indicate how much ASPCA will pay for each service (up to your annual limit) depending on whether you choose the Basic or Premium preventive care plan.  

Service Basic Preventative Care Premium Preventative Care
Dental Cleaning $100 $150
Wellness Exam $50 $50
Deworming $20 $25
Health Certificate N/A $25
Flea/Heartworm Prevention N/A $25
DHLPP Vaccine/Titer $20 $25
Rabies or Lyme Vaccine/Titer $20 $25
Bordetella Vaccine/Titer N/A $25
Fecal Test $20 $25
Heartworm Test $20 $25
Blood Test N/A $25
Urinalysis N/A $25

Unique Features: Prescription Coverage

ASPCA also covers the cost of prescription medications in its accident and illness and accident-only policies if they’re used to treat covered conditions. This also extends to prescription pet food, but not when used for general maintenance or weight management.  

Unique Features: Alternative Therapies

Most pet insurers won’t cover alternative or holistic treatments or offer coverage as a paid add-on rider. However, ASPCA includes reimbursement for the following alternative therapies when used to treat covered conditions in its accident and illness and accident-only policies:

  • Acupuncture
  • Physiotherapy
  • Chiropractic care
  • Rehabilitative therapy
  • Hydrotherapy
  • Low-level laser therapy   

Plan Exclusions: Pre-Existing Conditions 

ASPCA won’t cover any claims related to pre-existing conditions, which is typical for nearly all pet insurers. As previously mentioned, however, pre-existing conditions may be covered if your pet has been free of symptoms and treatments for the condition for 180 days.

The following conditions are also excluded from coverage: 

  • Aesthetic, cosmetic, endodontic, or orthodontic dental services
  • Anal sac (gland) expression and/or resection
  • Boarding
  • Breeding, pregnancy, whelping, or nursing
  • Cosmetic and elective prostheses or procedures
  • Dental cleanings
  • Experimental or investigational treatment or medication
  • Funeral services, memorial items, urns, caskets, or burial plots/fees
  • Grooming or grooming supplies
  • Herbs
  • House call fees, time, and travel expenses
  • Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care
  • Organ or heart valve transplants
  • Prescription food, pet food, commercial diets or treats used for prevention or general health maintenance (including weight loss)
  • Preventive care without an occurrence
  • Supplements and vitamins used for prevention or general health maintenance
  • Training or training devices
  • Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection, or racing

Cost: Affordable Premiums and Wellness Coverage

Although ASPCA’s premiums are competitive with most other providers, its low-tier wellness rider is cheaper than most, coming in at just $9.95 per month. We used the company’s online quote estimator to create the following two policies.

Accident and illness insurance for a mixed-breed, medium-sized (26–50 lbs.), three-year-old, female dog with $10,000 coverage, a $500 deductible, and 80% reimbursement came to $37.15 per month. Basic Preventive Care coverage added an extra $9.95 per month for $250 of coverage for a total of $47.10 per month.

Accident and illness insurance for a domestic longhair, one-year-old, male cat with $10,000 coverage, a $500 deductible, and 80% reimbursement came to $19.71 per month. Basic Preventive Care coverage added an extra $9.95 per month for $250 of coverage for a total of $29.66 per month.  

ASPCA also offers a 10% discount for each additional pet you insure. You can also choose to pay your premiums monthly, quarterly, semi-annually, or annually. Finally, ASPCA will refund 100% of your paid premiums if you cancel your policy within 30 days for any reason and didn’t receive any reimbursements. 

ASPCA’s reimburses claims within 30 days which is a bit longer than that of other pet insurers. 

Customer Service: Online Portal, Mobile App, and More

ASPCA makes it easy to submit claims online via a member portal, by mail, or by fax. The online Member Center and My Pet Insurance mobile app can also be used to update billing, add pets, change coverage, and check on the status of claims. 

ASPCA typically processes claims within 30 days, which is slow compared to other pet insurers. You can also choose to be reimbursed for your vet bills via direct deposit or by a mailed check.

ASPCA offers phone and email support Monday through Friday from 8:00 a.m. to 8:00 p.m. EST.

Competition: ASPCA vs. Embrace 

We compared ASPCA Pet Insurance to Embrace Pet Insurance which also offers similar policies, pricing, wellness riders, and discounts.

At first glance, Embrace seems like a better choice. It offers a slightly lower premium for the same coverage, a wellness plan that includes dental services as well as prescription food, and a two-day waiting period for accidents versus ASPCA’s 14-day window. 

On the other hand, because ASPCA offers 10% off per each additional pet you insure instead of just 10% for all additional pets like Embrace, its plans can be more cost-effective if you have multiple pets. ASPCA also offers coverage in Canada as well as the U.S., so your pets are covered in both countries.

  ASPCA Embrace
Animals Covered Dogs and cats Dogs and cats
Example Cost $44.63 to insure a two-year-old dog with 80% coverage, a $10,000 annual limit, and a $500 deductible, and $250 in wellness coverage $42.77 to insure a two-year-old dog with 80% coverage, a $10,000 annual limit, and a $500 deductible, and $250 in wellness coverage
Coverage Type Accident-only, accident and illness, wellness Accident-only, accident and illness, wellness
Waiting Period Accidents: 14 days
Illnesses: 14 days
Accidents: Two days
Illnesses: 14 days
Network Size Any licensed vet in the U.S. and Canada Any licensed vet in the U.S.
Final Verdict: Average Coverage at an Average Price

While ASPCA’s pricing and policies are about average for the industry, its wellness coverage comes in as a bargain based on our methodology. With that said, we would have gladly paid a bit extra to be reimbursed for dental services and to be able to choose a percentage of reimbursement for preventive care rather than being limited to a set dollar amount of coverage.

We do like that ASPCA covers prescription food and alternative treatments and that it has some flexibility when it comes to pre-existing conditions, however. A 10% discount per additional pet also is helpful when you want to protect a large family of pets without breaking the bank.

On the whole, however, ASPCA doesn’t offer the most impressive coverage for the price. We recommend you build a policy to see how much you’ll pay and then shop around a bit. You may find a slightly better deal for your money elsewhere.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Trustpilot. “ASPCA Pet Health Insurance.” Accessed June 6, 2021. 

  2. Yelp. “ASPCA Pet Health Insurance.” Accessed June 6, 2021. 

  3. AM Best Rating Services. “United States Fire Insurance Company.” Accessed June 6, 2021.