ASPCA Pet Insurance Reviews 2023

Pet health care can be very expensive. This is why it’s important to get a pet health insurance policy to aid the medical bills when the need arises. There are lots of these insurance policies out there, but we’d focus our lenses on ASPCA pet insurance.b We’d also be looking at some ASPCA pet insurance reviews.

According to the ASPCA’s National Rehoming Survey, pet problems are the most common reason that owners rehome their pet, accounting for 47% of rehomed dogs and 42% of rehomed cats. 

They defined pet problems as problematic behaviors, aggressive behaviors, and pets growing larger than expected.

While there are other issues, as shown above, there’s also the prevalent issue of health challenges.

This is where insurance comes in handy, in this case, ASPCA Pet Insurance. With Insurance, you may not necessarily spend so much to care for your pet’s health, at least not out of pocket.

Therefore, we’d be looking holistically at ASPCA Pet Insurance reviews. These reviews will help you, our reader, to make the best decision while choosing an insurance company to buy Pet health insurance from.

Before we go ahead, kindly take a look at our table of content for what to expect.

ASPCA pet insurance reviews

What Is Insurance?

According to, Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company.

The company pools clients’ risks to make payments more affordable for the insured.

Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property or liability for damage or injury caused to a third party.

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About ASPCA Pet Insurance

The American Society for the Prevention of Cruelty to Animals, or ASPCA, is a humane society based in the United States. ASPCA was founded in 1866 and majorly acts as a voice for animal welfare.

In 2006, the ASPCA partnered with Hartville Pet Insurance to begin selling pet policies through a licensing agreement.

However, Hartville was rebranded as Crum & Forster in 2017, which now acts as the ASPCA policy administrator. Plans are underwritten by the United States Fire Insurance Company.

So it’s safe to say that ASPCA isn’t the organization offering this insurance even as their name is the headliner.

ASPCA Pet Insurance Coverage

ASPCA offers a variety of insurance policies to millions of Americans every year. Their policies include but are not limited to complete coverage, accidental-only coverage, and preventive care add-ons.

However, the add-on coverage can only apply if you buy or want wellness coverage.

Since its founding, ASPCA has processed over half a million claims and has continued to serve Americans as one of the first Insurance companies to start operation.

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ASPCA Pet Insurance Complete Coverage Plan

This coverage covers virtually all issues with your pet concerning exam fees, treatment, and diagnostic costs for accidents. It also covers the diagnostic cost of illnesses, hereditary conditions, and behavioral issues.

What this means is that after paying your vet for any of these services, you can submit a claim and have your money back.

However, the money you’d get will depend highly on your annual deductible as enshrined in your agreement. The reimbursement percentage you chose while signing up for the program can also affect what you receive as claims.

While buying any plan, you can choose the percentage of what you’d get reimbursed with. You can choose 70%, 80%, or 90% of your covered bill. Additionally, you could opt for a deductible of $100, $250, or $500. as the case might be.

Only Accident Plan

If for any reason you feel you don’t need a complete package, you can get the Accident-only plan.

However, you will only be covered for exam fees, treatment, and diagnostic costs for injuries resulting from an accident. 

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Preventative Care Add-On

With ASPCA, one can also choose a preventive plan. It can be tacked o your base plan for an additional cost.

Nevertheless, there are exclusions of what this plan covers. They include a pre-existing condition, cosmetic procedures, ad breeding costs.

Cost of ASPCA Pet Insurance Cost

The cost of ASPCA is highly dependent on the plan you choose. Similarly, premiums vary based on deductibles and coverage maximums.

Therefore, if you’d like lower-cost value, you should opt for the higher deductible and a smaller annual payout limit.

But do not forget, if within the year our pet has any issues, you might have to pay more than you would have if you had complete ASPCA Pet insurance coverage.

Pros and Cons Of ASPCA Pet Insurance

For virtually every business, there are pros and cons, and ASPCA isn’t different. Therefore, we’d be looking at some of the pros and cons of ASPCA Pet Insurance.

This is in an attempt to help you make the best decision along with other things we’ve discussed here. 

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Plans that can be customized. When you get pet insurance from the ASPCA, you may customize your policy to meet your specific needs. You get to choose the type of plan, the coverage limitations, the deductible, and the level of reimbursement.

There are no long wait times. The ASPCA has a 14-day waiting period, so your pet will be protected just two weeks after signing up.

Fees for illness examinations are covered. Some insurance companies do not cover the price of your pet’s exams, but the ASPCA does.

Discount for several pets. You will earn a 10% discount if you enroll numerous pets in the ASPCA’s pet insurance.

Excellent feedback from customers. In a relatively new business, ASPCA pet health insurance has a long track record of customer satisfaction as one of the more established pet insurance providers.


The claims process might be lengthy at times. According to some customer complaints, ASPCA pet insurance claims aren’t always completed as quickly as they should be.

There are no deductible alternatives available for amounts more than $500. Higher deductibles and, as a result, lower monthly premiums are preferred by some consumers. While the ASPCA’s maximum deductible is usually sufficient for most customers, other insurance companies have larger maximums.

ASPCA Pet Insurance Reviews

To capture how some consumers truly feel about ASPCA pet insurance, we’d take a few ASPCA pet insurance reviews seen on

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Paul M. Newport Beach, CA. 

I researched all Pet Insurance & read all of the Disclaimers, etc w/ the Various Insurance…

I think a lot of folks expect more from all of these Coverages than are actually offered.. from the Selection(s) that were Offered, ASPCA seemed to fit my criteria w/ my New Pups that were 4 Years Old…So far I have had two (2) Claims that have been fulfilled completely & THANK GOODNESS I had Insurance!

This is a Great Company with Outstanding Customer Service!

Suz S.Bennington, NE

I gave them a chance and regret it! I should have listened to the 1-star reviews. They will find ANY reason to deny a claim! I didn’t even get my claim applied to my deductible! They claim the scooting and ear itching were “pre-existing” because my cat has food allergies. Okay, the last time we checked for an ear infection, there was NONE! This time we checked it and it should have been covered, right? NOPE! DENIED! They are pathetic to use ASPCA’s name and not even be affiliated with them! They are underwritten by Crum & Forster. That says it all right there!

I paid three or four months of premiums to have my claim DENIED. Pet insurance needs to be regulated like human insurance. I hope to get this as a bill introduced in my state to regulate it. They only care about money.

PLEASE DO NOT believe the five-star reviews! The only thing they cover is euthanization and cremation, which would be a reason to keep it. But after seeing how they denied my claim, I’m canceling with them and going to try and just save up a pet emergency fund. Insurance is only good if you have a pet with ZERO health issues and insure them right away. Lesson learned.

The five-star reviews have been paid for by their employees and users. They have a poor rating for a reason. I will also file a BBB complaint against them for scamming their customers.

Petra V. Glendale, CA

The ASPCA finally settled the claim with my Tullia for the Greendog dental procedure that cost $2847.20. It took almost six months, many phone calls, dozens of emails, and my regular vet, Dr. Vazquez of North Figueroa Animal Hospital to send her medical records back to birth, an accusation of insurance fraud from the other vet who was paid in full by me on the same day as the procedure, my rising blood pressure and a complaint with the Insurance Commissioner case Manager Jairo Flores. Dr. Vazquez and Mr. Flores are the good guys — I’m waiting for ASPCA to confirm receipt of Cato’s two-month-old small claim. It shouldn’t have to take this long or be this complicated and aggravating. Be prepared.


If you’ve read this article on ASPCA pet insurance reviews up until now, I believe you would have formed an opinion of ASPCA pet insurance, and the reviews would have helped decide the way forward if you need an insurance plan for your pets.



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