ASPCA Pet Insurance Review

ASPCA Pet Insurance was started in 1997 to help owners keep veterinary services as affordable as possible and prolong the lives of their animals. The ASPCA partnered with Hartville Group to bring affordable pet healthcare coverage to owners.

Coverage Information

ASPCA Pet Insurance offers four levels of coverage. It is important for pet owners to consider the differences between these policies before deciding which ones to buy.

Level One

Level One insurance is consider a basic accident policy. It is a good option for households that want some form of pet insurance but do not want to spend much money on their policies. Some of the services covered by this policy include:

  • X-rays and other imaging scans
  • Diagnostic procedures
  • Hospital stays
  • Vet exams
  • Lab tests

Level One insurance does not cover illnesses. It is intended to help people pay for veterinary services needed for their pets to recover from accidents. It is not recommended for people who want wellness coverage.

Level Two

A Level Two policy from ASPCA Pet Insurance offers the same coverage as Level One. The biggest difference between these policies is that Level Two also pays for veterinary services used to treat illnesses as well as accidental injuries.

Level Three

Level Three is an excellent policy option that covers some hereditary and congenital diseases, alternative therapies, and even behavioral treatments. There are, however, some limitations on these veterinary services. For instance, you can get reimbursed for up to $150 per year for alternative therapies like acupuncture, hydrotherapy, and physical therapy. There is also a $1,250 lifetime limit for veterinary services intended to treat hereditary and congenital diseases.

This policy pays up to $150 for behavioral treatments. This does not include obedience classes. You should make sure you get behavioral treatments from certified animal behavioral therapists to qualify for reimbursement.

Level Four

Level Four gives you the same coverage as Level Three. It does, however, offer a higher spending limit.

Payout Limits

ASPCA insurance does not set annual limits of payouts. Ideally, you could get unlimited payments for your pet's veterinary services. That's a strong point for people with pets that develop serious health conditions.

While there is not an annual payout limit, there is a maximum benefit per incident. The maximum payout depends on the policy you choose. The maximum payouts per incident are listed below:

  • ASPCA Policy Level One: $2,500
  • ASPCA Policy Level Two: $3,000
  • ASPCA Policy Level Three: $5,000
  • ASPCA Policy Level Four: $7,000

If you are concerned about paying too much for individual veterinary treatments, then it makes sense to choose a policy that offers a higher payout per incident. Keep in mind, however, that policies with higher payouts also have higher prices. If you do not mind paying a little more for your policy, then you should consider purchasing Level Four coverage.

Deductible Information

sick dog

Deductibles differ according to the type of policy that you purchase. Common deductibles include:

  • $100
  • $250
  • $500

Age Limits

Age limits vary depending on the type of animal you have. The typical age limit for dogs is 13 years. It is 15 years for cats. As long as you have your insurance policy for at least one year before your pet reaches the age limit, you should be able to get coverage for the rest of its life.


In most cases, you cannot get reimbursements for congenital or hereditary health problems.

Customer Reviews And Complaints

ASPCA pet insurance is a joke!

I’ve been wasting $40 a month on one of their policies for my cat since August, and after finally submitting a claim in February and having it denied and deemed a ‘pre-existing condition’, I’m furious that I could have just saved that money to directly spend on my cat instead of throwing it at ASPCA’s bogus plan.

They have so many disclaimers and they will do whatever it takes to get out of covering anything. My cat was sent to a cardiology specialist because of how her heart was shaped on an x-ray. She was sent there to rule out a heart condition, so how exactly is a condition she doesn’t have considered pre-existing? Excuses, excuses. Like I said, they will do anything to avoid paying.

The other reviews sum up my experience pretty well, and I’m too angry to go on, but I will be spreading the word wherever possible that ASPCA’s pet insurance is an absolute joke. I wish I could get all of the money I’ve put in for the past 7 months back since this insurance policy hasn’t helped my cat in any way, but apparently they can’t do that either.

This review is solely based on the customer service aspect. They make it IMPOSSIBLE for you to contact anyone in customer service regarding your account. No matter how many times I “reset” my password it ALWAYS says the password does not match their records and does not allow me to log on.  

Then when trying to call the customer service number, 1-866-204-6764,  I ALWAYS get a busy signal. I have tried the number on different days at various times of the day and ALWAYS get a busy signal.

ASPCA Pet Insurance DOES NOT CARE about their current customers and would rather ignore them then have to deal with any sort of issue.

Read more reviews and complaints here:

Other Information

Like most health insurance companies (for humans and animals), ASPCA Pet Insurance has some waiting periods that animals must meet before they are covered. Policies must be at least 30 days old before you can take advantage of illness coverage. The ASPCA, however, does not have a waiting period for accidents. If your pet gets injured, you can use your policy to help cover vet costs even if you just purchased insurance.

The 30-day waiting period of illness coverage makes it important for caregivers to purchase insurance as soon as possible. Getting ASPCA Pet Insurance now will help ensure that more illnesses are covered when your pet gets sick.

You can purchase policies that cover hereditary and congenital coverage, but these policies typically cost more than those that exclude those levels of coverage.

Your reimbursement will cover 70%, 80%, or 90% of the covered costs. Make sure you choose a policy that offers the level of reimbursement that you expect. Higher levels of reimbursement may have higher monthly costs, but they can help you save a lot of money when your pet gets sick. This is especially true when animals develop long-term illnesses that require ongoing treatment.

Should I Use ASPCA Pet Insurance?

In our opinion, there are better options available than ASPCA.  After looking at many of the customer reviews and complaints on sites such as Yelp, we’re alarmed at the number of negative reviews associated with this pet insurance company. 

A common recurring theme that we keep seeing is “bad customer service”, as well as “claim denial”.  Many customers feel the cost of coverage is worthless since many of their claims are being denied for various reasons.  Although there are some positive ASPCA reviews online, the number of bad reviews largely outnumber the good.   For now, we recommend taking a look at other options to insure your pet.

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