ASPCA Pet Insurance Review 2022 | LendEDU


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If your animal gets injured or sick, having pet insurance allows you to get them the treatment they need while giving you peace of mind about how to pay for care. 

ASPCA is a great option for pet insurance thanks to comprehensive coverage, customization of policy terms, and other benefits.

Depending on your policy, ASPCA pet insurance provides coverage for accidents, illnesses, hereditary conditions, and behavioral issues. This ASPCA Pet Insurance review will help you decide if they fit your needs.

In this review:

ASPCA Pet Insurance Coverage

ASPCA has been supplying pet insurance and other financial assets since 1997. It was one of the first pet insurance providers in the country. Since that time, they’ve processed over 1.6 million claims.

They offer a variety of plans, including complete coverage, accidental only coverage, and preventative care add ons if you also want wellness coverage.

Complete Coverage Plan

If you opt for the Complete Coverage Plan, you’ll be covered for exam fees, treatment, and diagnostic costs for accidents, illnesses, hereditary conditions, and behavioral issues.

You’ll pay your vet bill, submit your claim, and get money back for your expenses. The amount you get back will depend upon your annual deductible and which reimbursement percentage you choose for your package when you enrolled in the program.

You can opt to get reimbursed for of your covered bill. You can choose a deductible of .

Policies also have annual limits. When you sign up for coverage, benefit limits include .

Accident-Only Plan

If you don’t want the complete coverage package, you can get accident-only coverage. This would only cover exams fees, treatment, and diagnostic costs for injuries resulting from an accident.

Preventative Care Add On

If you want coverage for preventive care too, you can tack it on to your base plan for an additional cost every month. 

There are important exclusions that you should be aware of, including pre-existing conditions, cosmetic procedures, and breeding costs.

ASPCA Pet Insurance Cost

Your cost depends on what plan you choose and premiums also vary based on deductibles and coverage maximums.

If you need to keep your ongoing costs low, opt for the higher deductible and a smaller annual payout limit. But keep in mind, if your pet has issues, you could be paying far more per year than you would have had to if you had complete coverage. 

Pros & Cons of ASPCA Pet Insurance


  • Customizable plans. When you buy pet insurance through the ASPCA, you can tailor your policy to fit your needs. You get to decide on the type of plan, coverage limits, deductible, and reimbursement level.
  • Short waiting periods. ASPCA’s waiting periods are only , meaning your pet will be covered just two weeks after signing up.
  • Illness exam fees covered. Some providers don’t cover the costs of exams for your pet but ASPCA does.
  • Multi-pet discount. If you enroll multiple pets in ASPCA’s pet insurance, you will receive a 10% discount for each.
  • Great customer reviews. As one of the more established pet insurance providers, ASPCA pet health insurance also has a long record of customer satisfaction in a fairly new industry.


  • Claims process may be slow at times. According to some customer reviews, claims made with ASPCA pet insurance aren’t always processed in a timely manner.
  • No deductible options over . Some people prefer to have higher deductibles and, therefore, lower monthly premiums. While ASPCA’s max deductible is typically high enough for most consumers, other providers have higher maximums.

ASPCA Pet Insurance Availability

ASPCA is available to dog and cat owners throughout the United States. Your pet must be at least to enroll but there are no maximum age limits for senior pets. The entire claims process can be handled completely online from your computer or phone.

>> You can sign up for ASPCA pet insurance here

You can submit a claim in the member center online or through the ASPCA app. Just hit the claims button, explain what happened to your pet, and take a picture of your bill.

Pet parents can also mail in a claim or send it by fax, but the quickest way to get your claim underway is to use the app.

If you have questions about your insurance policy or about your pending claim, you can call the customer service department at 866-204-6764.  It’s open Monday to Friday from 8 a.m. to 9 p.m. EST, as well as Saturday from 9 a.m. to 5 p.m. and Sunday from 11 a.m. to 3 p.m.

Bottom Line

If you want a trusted company for your pet insurance needs, ASPCA fits the bill. It has a record of outstanding customer service, and although it might take a while to process the claim, you’ll be doing business with a company that has been one of the frontrunners in the pet insurance industry.

Learn more about Crum & Forster—the provider of ASPCA’s pet insurance—in our interview with their VP of Pet Insurance Groups, Liz Watson.

To compare other options, check out our reviews of popular pet insurance companies or see our picks of the best pet insurance. You can also check our direct comparison of ASPCA vs. ManyPets.

Ready to cover your furry friend? Check out your rates.

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