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ASPCA Pet Insurance Reviews 2022: Pros and Cons | Legit and Scam | How it works

Have your cats, dogs or any other pet die due to illness or accident and all you have to do is just bury them with no compensation in return? 

Are you a pet owner shopping for an insurance company with low plans and diverse options?

Are you among those that want to spend a few dollars monthly on basic protection for a veterinary emergency?

If any of these looks like you then ASPCA might be a good fit for you, ASPCAs plan provides a unique balance of full benefit options with lower policy limits that keep premium affordable, these policies are best for pet owners who don’t need much coverage and careful not to pay for services they won’t use.

This ASPCA Pet Insurance review has been put down to provide you with vital information about the company.

What is ASPCA Pet Insurance?

American Society for the Prevention of Cruelty to Animals (ASPCA) is a pet insurance company that provides coverage to dogs, cats, and other pet animals. Its coverage covers both illness and accident.

ASPCA policies are underwritten by the U.S Fire Insurance Corporation which has an A+ rating for financial strength from A.M Best. ASPCA is a service under a licensing agreement by Crum and Forster (C&P) Pet Insurance Group since it’s not an insurance company on its own.

Founded in 1866 to promote animal wellbeing, ASPCA later struck a partnership deal with Hartville Pet Insurance Group in 2006, to begin selling policies through their agreement and since then, ASPCA has insured more than 40,000 Cats and Dogs and has processed 1.6 million claims. 

It operates on accident and illness and accident-only policy, generous wellness rider, and flexible pre-existing condition policy which has helped to advance the company’s mission to improve the quality of life for pets and its owners.

READ ALSO: Best Pet Insurance Companies In Canada | 2022 Update

Why Should I Use ASPCA Pet Insurance? 

If you’re a pet owner who doesn’t need much coverage and doesn’t want to pay for services that you won’t use, ASPCA might be a good fit for you. Their plans provide a unique balance of full benefit options with lower policy limit that keeps premium affordable. 

ASPCA covers the cost of prescription medication in its accident and illness and accident-only policies if they’re used to treat covered conditions. This also cuts across prescription to pet food but not when used for general maintenance or weight management. As a pet owner, ASPCA gives you the leverage to choose your reimbursement percentage, deductible and annual limit that is whether you want a complete coverage or annual only plan.

With ASPCA Pet Insurance you’re not limited to a particular network of vets, because the company pays vets directly and you don’t have to pay a large sum of money in advance.

The company also gives up to 30 days to analyze your policy and purchase option, and if you’re not satisfied with it you can terminate and your money will refund back to you.

While a majority of pet insurance companies usually extend the waiting period up to six months to even a year for a certain animal health condition, ASPCA offers 14 days waiting period for all insured pets. With ASPCA you can get lower policy limits than average which means premiums are also lower,  Annual limits start at $3,000 and go up to $10,000 for cats and dogs.

ASPCA has very good customer service which makes it easy to submit claims online through its membership portal, by mail, or by fax, also they have a mobile app that you can use to update billing, change coverage, add a pet, and check the status of the claim at the comfort of your home. In addition, you can decide to be refunded for your vet bills through direct deposit or by mailed check. 

When it began to offer health insurance policy after its partnership deal in 2006, ASPCA has insured more than 40,000 Cats and Dogs and has processed more than 1.6 million claims

Finally, its underwriter is the United States Fire Insurance Company and since it’s not an insurance company on its own it policies are administered by Crum and Forster which has an A+ (Superior) rating with the Better Business Bureau (BBB due to its ability to meet up with its claims. Even the United States Fire Insurance company also has an A financial stability rating from AM Best since 2008. So with ASPCA Pet Insurance, you’re in safe hands.

READ ALSO: 13 Best Companies that offer Pet Insurance in 2022

How Does ASPCA Insurance Work?

As we earlier said the process of being insured at ASPCA Pet Insurance is very easy, the company offers customizable accident and illness and accident-only coverage options for dogs and cats, ones your pet is up to six weeks old and above it can be enrolled, all you have to do is to log in its website, get a free quote by providing key information of your cats or dogs such as their gender, cage, and, zip code. However, veterinary records will be required of you at the time of the first claim. 

You can as well adjust your animal limit, annual deductible, reimbursement percentage, and equivalent business pay to see how different plans affect your premium. Wellness plans are available for an extra cost and they have their system for determining how much they’ll pay with a limit on particular types of service annually.  All applicable treatment related to accidents and illness is covered after 14 days waiting period which means that anything that happens within these 14 days won’t be paid for by the policy benefits.

SEE ALSO: 10 Most Aggressive Dogs in the World in 2022

What Does ASPCA Pet Insurance Cover?

When it comes to it accident only plan for dogs and cats, it comes with the same 14 day waiting period and this policy covers diagnostic exams and treatment resulting from injuries. Below are the services covered by ASPCA Accident and Illness insurance:

  • Illnesses
  • Accidents
  • Prescription medication
  • Hereditary and congenital conditions
  • Prescription and food supplements
  • Microchip implantation   

In addition, ASPCA Pet Insurance covered claims such as Gastrointestinal issues, Cancer/growth and therapy, and Ear-related claims among others. A condition will no longer be considered pre-existing if your pets’ condition has been cured free from treatment and symptoms for 180 days.

The following conditions are excluded from coverage: Non-veterinary services, organ transplant, cosmetic procedures, boarding, dental cleaning, aesthetic, breeding, grooming supplies, Injury or Illness which result from negligent activities, prescription foods, and personal protection, etc. There is also little exclusion for horses and they are hoof trimming and arthritis.

Is ASPCA Pet Insurance Legit or Scam?

ASPCA Pet Insurance is not directly affiliated with the ASPCA as such Crum and Forster pay a royalty fee for the use of the name ASPCA. So it takes shadow under the reputation that has been built by the ASPCA brand and if it’s not genuine this well-known brand won’t accept such a deal because their reputation is also at stake. The fact that ASPCA agrees to put the name of this Hartilled product echoes a lot about their trust in the pet insurance company.  Also, with Its underwriter being the United States Fire Insurance Company, it has an A rating from AM Best due to its ability to meet up with its financial obligations.

In addition, C&F has an A+ (Superior) rating with the Better Business Bureau (BBB).  After its partnership deals with Hartville Pet Insurance Group in 2006, ASPCA has insured more than 40,000 Cats and Dogs and has processed 1.6 million claims. 

With all these facts, height, and influence ASPCA Pet Insurance has been able to pull over the years, it is obvious that ASPCA is not a scam. Therefore, ASPCA is a Legit Pet Insurance Company so, if you want to purchase a policy for your pets from them feel free to do so, but ensure to do your due research about its competitors to be sure if Its policies are the best for you.

How Much Does ASPCA Pet Insurance Cost? 

The cost of each policy is unique to your pet and depends on factors such as the breed, age, location, health condition of your pets, and many more. ASPCA Pet Insurance offers customizable accident and illness and accident-only coverage options for dogs and cats, all you need to do is to enter your pet information along with your ZIP code on the online quote generator, within a minute you can build your preferred plan with the following coverage:

Deductible: $100, $250, and $500

Annual coverage limit: $3,000, $5,000, $7,000, $10,000, and $15,000 

Reimbursement: 70%, 80%, and 90%

To give you a general idea, we use the ASPCA online quote generator to create the following policies: Accident and Illness insurance for a domestic longhair, one-year-old, male cat with $10,000 coverage, a $500 deductible, and 80% refund came to $19.71 monthly. Basic Preventive Care for coverage added an extra $9.95 monthly for $250 of coverage for a total of $29.66 monthly.

Accident and Illness for a mixed breed, three-year-old, medium size (25-50 Ibs), female dog with $10,000 coverage, a $500 deductible, and 80% refund came to $37.15 monthly. Basic Preventive Care coverage added an extra $9.95 monthly for $250 of coverage for a total of $47.10 monthly.

What are the Plans available at ASPCA Pet Insurance?

ASPCA Pet Insurance for cats and dogs offers a complete coverage plan that includes accident and illness and an accident-only plan. The Complete coverage plan covers both accident-only plans and other common illnesses that might arise. Accident only plan is wholly for injuries that were sustained from an accident. 

There are also two plans for horses which are the Colic and accident plan, which covers abdominal conditions and accident-related issues. The higher-end plan is Colic, accidents, and illness and it adds treatment for diseases such as cancer and hereditary conditions.

You can customize the plan to pick an annual deductible, annual limit, and coverage percentage, which means that the percentage of eligible claims are paid by the insurer, you can also add preventive care plan options to the existing plans. These cover things like heartworm, wellness visits, tick and flea medication, etc On the other hand ASPCA still offers two optional wellness care plans that ensure you’re reimbursed for preventive and routine pet care. 

You can choose between Premium Preventive Care Plan for $24.05 monthly with an annual limit of $450 and the Basic Preventive Care Plan for $9.95 monthly with an annual limit of $250. ASPCA Pet Insurance plans don’t cover pre-existing conditions unless they’ve been cured deem free of symptoms for at least 180 days but they cover behavioral health and alternative treatments.

Now that you’ve known the plans that can be purchased from ASPCA Pet Insurance Reviews so far,  it’s also important for you to know the Pros and Cons of the company.

Pros and Cons of ASPCA Pet Insurance


  • Offer coverage options for accident, illness, and wellness coverage as well as an accident-only plan 
  • 30 days money-back guarantee
  • Pets are covered when they travel with you in the U.S and Canada
  • Offers 10% discount for each additional pet
  • Offer policies for dogs, cats, and horses
  • Flexible billing option
  • Pre-existing coverage for the condition after 180 days symptom-free


  • Low reimbursement reported by customers
  • Limited policy option 
  • Due to the COVID-19 claim payment is now longer than normal   
  • Can’t add to the plan until the next 12-month cycle begins


If you’re shopping for Pet Insurance Companies for dogs and cats that offer coverage options for accident, illness, and wellness coverage, then ASPCA might be a good fit for you.

However, its billing policy option is limited,  Slow processing time and low reimbursement have been reported by customers so ensure you do your due diligence by researching its competitors before making your coverage decisions for your pets, with our ASPCA Pet Insurance Reviews we hope you’ll make better insurance decisions for your pets and horses.


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