ASPCA Insurance Review

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The ideal insurance plan if you want to customize the coverage your pet receives.  Monthly costs are as low as $7.50 for cats and $10.50 for dogs

If you want an insurer that is customizable and lets you pick your type of coverage, check out our review on the ASPCA insurance option.
The American Society for the Prevention of Cruelty to Animals (ASPCA) is the oldest and largest humane society in North America. In 2006, the ASPCA teamed up with the Hartville Pet Insurance Group in order to continue their legacy of caring and treating injured animals by providing insurance to pet owners. Today, they offer 4 increasing levels of pet insurance and 2 optional wellness add-ons that will fit the needs of any pet owner.
ASPCA Pet Health Insurance is perfect for owners who want an extremely customizable plan that allows them to choose exactly what their pet is covered for.

  • Customizable coverage
  • 10% multi pet discount
  • Pet travel assistance services

  • Long waiting periods
  • 2nd deductible for “ContinuingCare”
  • Reimburse average cost rather than actual amount

Plans/Pricing: (Rating: 8/10)

ASPCA offers 4 different plans that each provides an increasing amount of coverage.

The first level is an emergency plan that covers injuries but not illnesses. It has an incident limit of $2,500.
The level 2 plan is their co-bestselling plan and builds upon the previous level by offering illness coverage and $3,000 incident limit. The price per month varies, but generally it costs about twice as much as Level 1.

Level 3 is the co-bestseller with Level 2, and again offers the same coverage as the previous levels, along with hereditary and congenital conditions, alternative therapy, and behavioral treatment. Level 3 has a per incident limit of $5,000, and costs $10-$15/month more than Level 2.

Finally, Level 4 offers the exact same coverage as Level 3, except it has a higher incident limit of $7,000. It costs nearly twice as much as Level 2.

Waiting Period: (Rating: 6/10)

Coverage begins on the 1st and the 15th of the month after payment is received. Accident and wellness coverage begins the day after the effective date. However, illness treatment is subject to a 30 day waiting period. Ligament and knee problems are also subject to a 12 month waiting period upon enrollment, and hereditary and congenital conditions have a 6 month waiting period.

While ASPCA does cover chronic conditions, your pet must be symptom free for at least 180 days before coverage can begin again. If your pet needs treatment for the same ailment less than 180 days from their last treatment it will not be covered.

Availability: (Rating: 10/10)

With ASPCA pet insurance you can visit any licensed veterinarian in the United States or Canada.

Exclusions: (Rating: 8/10)

With ASPCA what is excluded greatly depends on your level of coverage. Pre-existing conditions, declawing, food, vitamins, and cosmetic treatments are excluded from every level of plan.

Claims/Deductibles: (Rating: 7/10)

ASPCA offers deductibles amounts of $100, $250, and $500 as options for each plan. Claims must be submitted within 270 days, and it will usually take 2 weeks for claims to be processed. ASPCA does give the option of providing reimbursements through direct deposits so you can receive your money as quickly as possible.

Payouts/Limits: (Rating: 7/10)

ASPCA offers reimbursement levels of 70%, 80%, and 90%. They have per incident limits of $2,500, $3,000, $5,000, and $7,000 for each of their 4 levels of plans, and they do not have any overall annual limits.

Extras: (Rating: 7/10)

ASPCA offers 2 wellness options for your choosing. The first choice is the “Routine” care, which covers wellness exams, microchipping, spaying/neutering, and blood tests. It costs $10/month and has an annual limit of $200.

The second option is “Advanced” care. It provides coverage for all the same issues as “Routine” care plus dental cleaning and heartworm/flea prevention. “Advanced” care costs $25/month, and has an annual limit of $400.

They also offer a “ContinuingCare” option for dogs older than 12 and cats older than 14. This option covers many of the issues that older pets face, and is subject to a second annual deductible of $100. It also has an incident limit of $2,500 and a lifetime limit of $6,000.

Ease of Enrollment: (Rating: 9/10)

The ASPCA pet insurance website makes it very easy for you to enroll your pet. Simply click on the “get a quote” button that is all over their website. Then you just have to fill in the details of yourself and your pet to get a quote and continue to payment.

Customer Service: (Rating: 6/10)

Customer service representatives for ASPCA pet insurance are available Monday-Friday, 8am-9pm EST, and Saturdays from 9am-5pm EST. They can be contacted by phone at 1-866-204—6764 or email at They unfortunately do not have a live chat option on their website, and when contacted by e-mail to clarify some issues they’re customer service team took a bit longer to respond than other pet insurance companies, so perspective customers should be aware that this may be an issue.

Pricing and Details

Pricing depends on your geographic location, the level of coverage you choose, and the breed and age of your pet.

For dogs, coverage will cost around $10.50/month for Level 1, $20/month for Level 2, $30/month for Level 3, and $41/month for Level 4.

For cats, monthly cost will be around $7.50 for Level 1, $16 for Level 2, $23 for Level 3, and $35 for Level 4.

*Sample prices are based on a 2 year old mixed breed pet from Michigan with a $250 deductible and 80% reimbursement level.

Please Note: Prices are given as examples based on the criteria listed. Be aware that the price you are quoted may be different based on your pet's specific age, needs, and coverage.


Contract Type
Choice of monthly, quarterly, semi-annually, or yearly payment.

Enrollment Age
Pets 8 weeks and older are eligible for coverage. There is an age limit of 12 for dogs and 14 for cats for new enrollment. If your pet is already enrolled with ASPCA, then there is no age limit for coverage.

ASPCA offers 2 optional wellness plans.

Accident and injury are covered with every plan.

$100, $250, $500

The ASPCA will never increase your premiums based on claims or your pet’s health.

ASPCA has per incident limits that differ depending on the plan you choose, but they do not have overall annual limits.

Special Coverage
Alternative therapy, behavioral training, hereditary and congenital conditions are covered with the higher level plans.


Pricing and Claim Info

Price Range for Dogs: $10.50 to $41.00 per month

Pricing Rage for Cats: $7.50 to $35.00 per month

Pricing Based on: A 2 year old mixed breed from Michigan with a $250 deductible and 80% reimbursement level.

Enrollment Age Minimum: 8 Weeks

Enrollment Age Maximum: 12 Years Dogs, 14 Years Cats - New Customers

Effective Date: 1st and 15th of the Month (after payment)

Waiting Period - Illness: 30 Days

Waiting Period - Accidents: None

Waiting Period - Heredity/Congenital/Other Conditions: 6 - 12 Months

Coverage: Both In-State & Out of State, Plus Canada

Claims Cause Policy Increase?: No

Contract Type





Help and Support



Benefits/Statements Online

Annual Deductables




Per Incident Deductibles

Limits on Payouts




Per Incidence Limits





Annual Claim Limits

No Limits

LifeTime Claims Limits

no limits

Covered Animals






Congenital Conditions: Premium Plan Only

Wellness Coverage: Add-on help

Dental: Add-on

Pregnancy: No

Special Coverage: Premium Plan Only help

Who is This Insurance Plan Ideal For?

ASPCA pet insurance is best suited for pet owners who want to be able to personalize their plans to their pet’s needs and their financial situation, rather than let the insurance company choose what is covered for them.

What We Like

Customizable coverage
With 4 different main plans, plus 2 different add-on plans, the choices given to pet owners by the ASPCA pet insurance is second to none. This allows owners to look at exactly what they want coverage for, and get a plan that provides exactly that.

10% Multi Pet Discount
The ASPCA offers 10% discounts if you register more than 1 pet with them. This is a helpful bonus since paying full price for insurance for more than 1 pet can get very expensive.

Pet Travel Assistance Services
Using the services of Global Pet Plus, ASPCA offers a free 24/7 toll free hotline that provides assistance if you are more than 100 miles away from home. This service is included with their plans, and can provide referrals for veterinarians, prescription fulfillment, and travel arrangements to bring a sick or injured pet home.

What We Don't Like

Long Waiting Periods
The waiting period for illness is 30 days from enrollment. For hereditary and congenital conditions it is 6 months, and for knees and ligaments it is 12 month. Also, for chronic conditions there is a 180 day waiting period. All of these long waiting periods mean that there will be a long span of time where your pet is not covered for issues that you are still paying for.

2nd Deductible for Continuing Care
The “ContinuingCare” option is designed to help protect older pets. However, ASPCA forces owners to pay a 2nd annual deductible on top of the deductible they already pay for their main plan in order to get this coverage. This needlessly increases the cost of an already expensive service.

Reimburse Customary Care Rather than Actual Amount
ASPCA claims to reimburse 70%, 80%, or 90% or your vet bill, depending on which reimbursement amount you choose. Instead, what they actually do is reimburse you based on the average cost of that treatment in your area, rather than what you actually paid. This often causes customers to get reimbursed for less than what they were expecting.


When buying insurance from the ASPCA you can be confident that you will get the experience and care they have developed from being the oldest animal humane society in North America. With their extremely customizable plans, you can get as little or as much coverage as you feel you need. Unfortunately, they require a 2nd deductible to care for older pets, and rather than compensate the actual amount of a vet bill they reimburse the customary amount instead. This is unacceptable from a company such as the ASPCA, which should put animal well-being above all else. Nevertheless, the ASPCA still offers good coverage that will be essential should your pet ever need expensive surgery, just be aware that you may not be reimbursed the full amount you were expecting.

The ideal insurance plan if you want to customize the coverage your pet receives.  Monthly costs are as low as $7.50 for cats and $10.50 for dogs

7.6 Total Score
Customizable with pick and choose features.

When buying insurance from the ASPCA you can be confident that you will get the experience and care they have developed from being the oldest animal humane society in North America. With their extremely customizable plans, you can get as little or as much coverage as you feel you need.

Waiting Period
Ease of Enrollment
Customer Service

David McGarry is a Senior Editor and Researcher at As a recent university graduate from Toronto, he is excited to start establishing his name in the online writing world. His interests include sports, fitness, and travel, so you will probably find him on the golf course, in the gym, or going for a walk with his border collie.

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