ASPCA & Hartville Pet Insurance Review: How Do These Brands Protect Your Wallet?

Dog running in water with stick in mouth (caption: ASPCA & Hartville Pet Insurance Reviews)You may have come across ASPCA Pet Insurance and wonder if it’s an excellent option since it has a prominent and trustworthy brand name.

Or maybe you’re curious about Hartville Pet Insurance? While this brand may look different from ASPCA Pet Insurance, it is actually the same exact product sold under a different brand name.

Confused? So were we before we took a closer look.

Visit ASPCA Pet Insurance | Visit Hartville Pet Insurance

Article Overview

How Are ASPCA Pet Insurance & Hartville Related?

Both Hartville and ASPCA pet insurance is administered by C&F Insurance Agency, Inc., which has been in the insurance business since 1997. ASPCA Pet Health Insurance isn’t affiliated with the ASPCA (Crum & Forster (C&F) pays a royalty fee for the use of the ASPCA name). More specifically, ASPCA is serviced under a licensing agreement by C&F Pet Insurance Group along with a few other branded products.

To further clarify, ASPCA and Hartville Pet Insurance offer an identical product and policy sold under two different brand names. ASPCA is the more well-known product, thanks to the prominent ASPCA reputation. This may be why Hartville is selling a portion of its policies under the ASPCA name.

The fact that the ASPCA is putting its name on this Hartville product says a lot about their trust in this pet insurance. Both ASPCA Pet Health Insurance and Hartville Pet Insurance are available to all consumers, as well as groups and employers.

ASPCA and Hartville have the same policy details. So, all of the information shared in this review applies to both companies, unless it is stated otherwise.

ASPCA Pet Insurance

3.8 / 5
ASPCA Pet Insurance
Policy Coverage 4.8
Customer Service & Reputation 2.0
Timeliness of Claim Payment 4.8
Price of Policy 3.8


  • Offers optional wellness coverage
  • Conditions that are free of symptoms and treatment for 180 days are not considered pre-existing conditions
  • BBB rating: A+ (C&F Insurance Agency, Inc.)
  • 30-day money back guarantee
  • Your pet is covered when they travel with you in the U.S., Guam, Puerto Rico, U.S. Virgin Islands and Canada
  • Claim repayment averages 8-9 days


  • $2 transaction fee, if not paying annually
  • Can't change/add some items to plan until the next 12 month period begins
  • Low reimbursements reported by customers
  • No unlimited claims option

2 yellow dogs in grass (caption: Pet Insurance Reviews)

Alternatives To ASPCA & Hartville

Don’t like the score you’re seeing? Our pet insurance experts have analyzed over a dozen pet insurance providers. Check out our pet insurance reviews to learn more about this year’s top-ranked companies.

Key Features

ASPCA & Hartville Pet Insurance Screenshots
ASPCA Insurance App Screenshots
  • Underwriter: United States Fire Insurance Company
  • No exam period
  • Claim repayment averages 14-16 days, and direct deposit is an option
  • Must submit your claim within 270 days from the date of service via the mobile app, mail, email, fax or online
  • Option to pay vets directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement (not available everywhere)
  • One bilateral exclusion (a condition or disease that affects both sides of the body)
    • From ASPCA: If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee.
  • 30-day free look period (similar to a money-back guarantee)
  • Emergency hotline available for you to find out how much of your pet’s treatment will be covered and get an estimate on the payout

Pre-Existing Conditions

Defined by ASPCA/Hartville as:

Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. A condition will no longer be considered pre-existing if your pet’s condition has been cured and free from treatment and symptoms for a period of 180 days.

Customer Service Hours

ASPCA & Hartville Pet Insurance Waiting Period Chart

  • Email and phone: Monday – Friday 8am – 9pm EST, Saturday 9am – 5pm EST and Sunday 11am – 3pm EST

Waiting Periods

What Do ASPCA & Hartville Cover?

Services included are not limited to this list and are subject to change.

CoveredNot Covered
SurgeriesPre-existing conditions
HospitalizationCosmetic procedures
CancerBreeding costs
Prescription medications
Diagnostic treatment and testing (x-rays, blood tests, etc.)
Injuries & accidents
Non-routine veterinary exams & visits, including consults with specialists and emergency hospital office visits.
Hereditary conditions
Chronic conditions
Congenital conditions
Emergency care
Alternative treatment
Behavioral therapies
Preventative coverage (additional cost)

Is Hip Dysplasia Covered?

Hip dysplasia coverage is under the Complete Coverage plan subject to the annual deductible, reimbursement percentage and annual limit selected by the customer. There’s a 14-day waiting period.

Pricing Quotes

ASPCA Pet Health Insurance and Hartville offer customization options that allow you to choose your deductible ($100, $250 or $500) and reimbursement percentage (70%, 80% or 90%). The companies also offer 4 annual limit options: $3,000, $5,000, $7,000 and $10,000.

The cost of each policy is unique to your pet and depends on many variables, including your pet’s age, breed, location, health conditions and more. To give you a general idea, we gathered the following sample quotes in December 2019.

BreedLabrador RetrieverGolden RetrieverGerman ShepherdYorkshire TerrierMixed Breed Cat
LocationIowa (50125)Illinois (60631)California (92027)New York (10012)Ohio (44108)
Price Per Month$79.38$90.95$49.83$66.53$27.59
Reimbursement Level80%70%80%90%80%
Annual Deductible$250$500$500$250$250
Annual Maximum$10,000$5,000$10,000$5,000$10,000

You can get personalized price quotes for your pet(s) from reputable companies when you fill out just 1 short form. You can also visit our pet insurance quotes page to see how ASPCA/Hartville’s costs stacks up against the competition.

Coupon Code

Looking for an ASPCA Pet Insurance promo code? Click here for the best deal we could find.

ASPCA Customer Reviews

Positive Reviews

We have had a wonderful experience with ASPCA Pet Health Insurance.  Our French Bulldog required surgery on her palate and tonsils to increase her air flow and ASPCA covered most of the cost and reimbursed us for our expenses very quickly.  I can not say enough positive about what great insurance this has been.  We have three frenchies on this insurance and it has consistently been the best pet insurance we have ever been on. – Claudia G., Yelp 10/10/2018

The platform is easy to utilize, even with just a smartphone. Reimbursements are timely and always accompanied by explanation of benefits so easy to understand. Receipts are simple to attach just using your cell phone camera. Different plans allow us to chose what’s most important to be covered and pricing is reasonable. – Lauren, Consumer Affairs 11/18/2019

Negative Reviews

Problem: Usual and customary fees which they use to determine payment of a claim Per customer service they use claims and group them by geographic area across the country and based on cost of living. I asked where NYC would be grouped and was told Chicago and California. Vague answer not supported by any specifics. I had called pet pharmacies and selected the lowest cost yet I was but was paid $56 of the $117. My other claim for end of life and cremation was allowed $288 of $380 with a new deductive of $250. My renewal policy just began at the end of June. The occurrence was less than 30 days. My reimbursement was $34.61. They use customary charges as an excuse to deny payment. I think they should have transparency and be able to support with specifics the basis of their allowance. – Bev C., Yelp 8/10/2019

The determination of how reimbursement has been done leaves much to be desired. I regret having a policy with the immense stress this has been causing me at this time. I have spoken to numerous persons and still very little resolve. – Monique, Consumer Affairs 11/9/2019

Why Do I Need Pet Insurance?

If your dog experiences any accidents or illnesses, the vet bills can quickly add up. Not insuring your pup can result in hundreds or even thousands of dollars in bills.

What’s Our Verdict On Hartville/ASPCA Pet Insurance?

Visit ASPCA Pet Insurance | Visit Hartville Pet Insurance

When it comes to coverage, customer service and other features, there’s not much that stands out about Hartville/ASPCA Pet Insurance compared to the competition. However, the plan choices are relatively flexible, so you may be able to find the right fit for you and your pup. Find out how Hartville/ASPCA Insurance compares to other top companies in our pet insurance showdown. Learn more about ASPCA insurance in our interview with Liz Watson.

Why are you considering ASPCA or Hartville Pet Insurance?

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