Home > Dog Health > Pet Insurance > ASPCA Pet Insurance Review: Don’t Let the Name Fool You!

ASPCA Pet Insurance Review: Don’t Let the Name Fool You!

How do we keep this site running? This post may contain affiliate links — the cost is the same to you, but we get a referral fee. Compensation does not affect rankings. Thanks!

ASPCA Pet Health Insurance logoIs your search for affordable yet quality pet insurance taking a bite out of your time and patience? There are many great plans out there, but it’s hard to know which is the best one for you and your pup. You may have come across ASPCA Pet Insurance and think it could be an excellent option since it has a prominent and trustworthy brand name. What you probably don’t know? This pet insurance company (Hartville) pays a licensing fee to use the ASPCA name, but is not affiliated in any other way with the ASPCA. Are their plans still worth it? Check out our ASPCA insurance reviews below to learn more about pricing, coverage, customer reputation and more. We suggest you also read through our comprehensive pet insurance rankings to find other companies to consider before you buy.

Visit the ASPCA Pet Insurance Website

Is your search for affordable yet quality pet insurance taking a bite out of your time and patience? There are many great plans out there, but it's hard to know which is the best one for you and your pup. You may have come across ASPCA Pet Insurance and think it could be an excellent option since it has a prominent and trustworthy brand name. What you probably don't know? This pet insurance company (Hartville) pays a licensing fee to use the ASPCA name, but is not affiliated in any other way with the ASPCA. Are their plans still worth it?…

Review Overview

Policy Coverage
Customer Service & Reputation
Timeliness of Claim Payment
Price of Policy

3.125/5.00

Summary : ASPCA Pet Insurance offers good coverage, but you'll end up paying for it with higher than average policy pricing and deductibles. And you'll have to wait longer than average for your claim to be processed.

63

Does Your Pup Really Need Pet Insurance?

When your pup is young and healthy, dog insurance might not seem like a smart financial decision, but accidents or sudden illnesses can happen when you least expect them. The costs for those vet bills can add up quickly. And once your dog gets a bit older, pet insurance makes even more sense — not just for emergency care but for surgery, joint problems and chronic conditions that many dogs develop later in life.

Services Covered by ASPCA Insurance

Below is a list of services covered (and not covered) by ASPCA Pet Insurance (as of January 2017).

CoveredNot Covered
SurgeriesPre-existing conditions
HospitalizationVaccinations
CancerSpay/neuter procedures
Prescription medicationsTeeth cleaning
Diagnostic treatment and testing (x-rays, blood tests, etc.)Wellness visits (preventive care exams or office visits)
Injuries & accidents
Illness
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

What Are Some Key Features of ASPCA Pet Insurance?

As we stated above, ASPCA Pet Health Insurance isn’t affiliated with the ASPCA (they only license the use of the ASPCA name). This pet insurance is underwritten by the United States Fire Insurance Company and administered by Fairmont Specialty Insurance Agency, Inc., which has been in the insurance business since 1997. ASPCA is serviced under a licensing agreement by Hartville Pet Health Insurance along with a few other branded products from Hartville.

In fall 2016, ASPCA Insurance introduced a more comprehensive “Complete Coverage” plan to make coverage a little clearer. They offer customization options that allow you to choose your deductible ($100, $250 or $500) and reimbursement rate (70%, 80% or 90%). They also offer five dog insurance plan levels that range in per incident limits: $5,000, $10,000, $15,000, $20,000 or unlimited.

Pros

Cons

  • One of few companies to offer wellness coverage
  • Wide variety of plan costs, with their cheapest plan starting at less than $15 per month for accident only coverage and a $100 annual deductible (for female 10-year-old labrador)
  • Healed illnesses or ligament and knee injuries that are free of symptoms and treatment for 180 days are not considered pre-existing conditions
  • No waiting period for accidents and injuries
  • BBB rating A+ (Fairmont Specialty Insurance Agency, Inc.)
  • 30-day money back guarantee
  • $1.50 transaction fee per month
  • Coverage for hereditary and genetic conditions only available with two highest cost plans
  • 30-day waiting period for illnesses; 12-month waiting period for knee and ligament injuries
  • Prescription medications not covered by two lower level plans
  • Can’t change/add plan until the next 12 month period begins
  • Longer waiting period for claims payment than other companies (averaging 14-16 business days)

How Much Does ASPCA Pet Insurance Cost?

ASPCA Pet Insurance is similar to most pet insurance companies, basing their policy pricing on breed, age and other factors. You can find specific pricing examples in our Pet Insurance Quotes article, which compares pricing with seven different pet insurance companies. As you’ll notice in our quotes, ASPCA Insurance has higher than average monthly pricing and higher than average deductibles, so you end up paying more each month and per incident compared to many other companies. And unlike some of our top pet insurance winners that offer unlimited caps, ASPCA Insurance has per incident limits with every plan they offer.

Coupon Code

There are not any active ASPCA Pet Health Insurance coupon codes at this time.

What’s the Buzz About ASPCA Pet Health Insurance?

ASPCA Pet Insurance customer reviews are pretty varied across multiple web forums. Here’s a sampling of reviews we found, both positive and negative, about ASPCA insurance.

Positive ASPCA Pet Insurance Reviews

After my claim was completed they called to check up on my puppy and see how he was recovering. ASPCA truly cares about their customers and I cannot express how much that meant to me to receive that call. With ASPCA you really get the care you and your family deserve!!! 🙂 – Scott D., Yelp 6/6/2016

I was already pleased with the ease of filing claims with this company. The process is simple and, if your plan covers it and you have met your annual deductible, you receive your benefit very quickly. When one of my boys had to be euthanized last week, I made a very difficult phone call to ask a couple of questions regarding a final claim and to terminate his coverage. Yesterday, I received a sympathy card with a hand-written and personal note that even included our other dog’s name. I am so moved and beyond impressed by such a touching gesture from an insurance company… – Jennifer A., Consumers Advocate 3/22/2016

Negative ASPCA Pet Insurance Reviews

This insurance did not cover any sort of illness for my dog. It was not helpful at all, and I feel that my money was completely wasted. Upon purchasing the insurance they gave me the impression that I would be reimbursed 80% for my vet bills with some exclusions on what type of vet service it was – it made sense that they would not cover vaccinations or preexisting conditions. My dog has been ill twice since I’ve had the insurance and neither of those bills were reimbursed by the insurance. The policy was not made clear and you have to read the fine print to really know what you’re paying for, which isn’t much… – Alana, Consumer Affairs, 9/21/2015

I have been paying $70/month for 12 years to ASPCA. So far, they haven’t really covered anything except one time last year and my dog’s ongoing conditions won’t be supported by them either starting this year. I should have chosen, “Healthy Paw Pet Insurance” instead. – Sue D., Yelp 12/9/2014

When is Funny Dog Behavior Not a Joking Matter?

Check out this fascinating video by SciShow that sheds light on seemingly amusing dog behaviors that could indicate some pretty serious problems. Pet insurance would cover conditions such as these!

What’s Our Verdict on ASPCA Pet Insurance?

Visit the ASPCA Pet Insurance Website

ASPCA Insurance came in 6th place in our pet insurance reviews so be sure to check out the other carriers too. When it comes to coverage, customer service, and other features, there’s not much that stands out about ASPCA Pet Insurance compared to the competition. But they do offer a $10-$15 per month optional wellness plan add-on (only a handful of companies offer this). Their plan choices are relatively flexible, so you may be able to find the right fit for you and your pup. Be sure to check out our overall reviews article for to learn more about our other best pet insurance picks before making your final decision.

If you’ve had ASPCA Pet Insurance, would you recommend them, or not? 

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.


About Sally Jones
Sally grew up in a feline-only home, but cat allergies in her early 20’s made it an easy transition to dog ownership. And she couldn’t be happier with her canine shadow, who’s been at her side (literally) for years. No longer a cat person for obvious reasons, Sally is now a true bone-ified dog lover.
Previous:
Next:

Leave a Reply

2 Comments on "ASPCA Pet Insurance Review: Don’t Let the Name Fool You!"

avatar
Sort by:   newest | oldest | most voted
Donna
Guest
Donna

I had a very bad experience with this company, which I consider to be downright unethical. I won’t bore you with the details, but I do think people should be very wary of this company. They rely on the name, which has no affiliation to the very reputable ASPCA.

Jenny P
Guest
Jenny P

I recently adopted a pup from the ASPCA but higher premiums and longer wait period? Hopefully they make up for it with good customer service and other benefits or else why would you pay more for the same thing you can get from other pet insurance companies? Still shopping around but not convinced ASPCA is for me!

wpDiscuz

Send this to friend