ASPCA Pet Insurance Reviews: Coverage, Quote, Cost, App, Complaints, Promo Code, How To Cancel, And More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Dog running in water with stick (caption: ASPCA Pet Insurance Review)

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. ASPCA Pet Insurance offers detailed coverage and short waiting periods. But is its pricing in line with the competition? We cover all the details about this provider here.

Both ASPCA and Hartville pet insurance are administered by C&F Insurance Agency, Inc., which has been in the insurance business since 1997. ASPCA Pet Health Insurance isn’t directly affiliated with the ASPCA, but Crum & Forster (C&F) pays a royalty fee for using 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 very similar products, sold under two different brand names. Thanks to the prominent ASPCA reputation, ASPCA Pet Insurance is the more well-known consumer product.

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.

How does the new company Waffle tie into this? ASPCA Pet Health Insurance is sold through Waffle to provide a one-stop shop for insurance needs.

ASPCA Pet Insurance Overall Rating


Our pet insurance experts read through each pet insurance companies’ policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with the pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Pros & Cons Comparison Table

Optional wellness plan$2 transaction fee, if not paying annually
Conditions that are free of symptoms and treatment for 180 days are not considered pre-existing conditionsCan’t change/add some items to plan until the next 12 month period begins
Offers a 10% discount for each additional petLow reimbursements reported by customers
30-day money-back guaranteeNo unlimited payout option
Your pet is covered when they travel with you in the U.S., Guam, Puerto Rico, U.S. Virgin Islands, and Canada14-day waiting period for accidents is longer than competitors
No upper age limits for coverageClaim processing is longer

Alternatives To ASPCA

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

Don’t like the score you’re seeing? Our 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

  • Underwriter: United States Fire Insurance Company
  • Claims process:
    • Must submit your claim within 270 days from the date of service via the mobile app, online via the member center, mail, email, or fax
    • Claim processing averages 15-30 days, and direct deposit and check are both options
    • 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)
  • Bilateral exclusions (a condition or disease that affects both sides of the body): includes, but is not limited to, conditions involving a ligament, patella, meniscus, or soft tissue disorder of the knee
  • Offers pre-approval of estimates/procedures in advance of treatment
  • Covers curable pre-existing conditions that are free from treatment and symptoms for 180 days (ligament and knee conditions are excluded)

Customer Service Options & Hours

ASPCA & Hartville Pet Insurance waiting periods
  • Email and phone:
    • Monday – Friday: 9am – 6pm EST

Waiting Periods

  • Illnesses: 14 days
  • Accidents: 14 days
  • Cruciate Ligament: 14 days
  • Hip Dysplasia: 14 days
  • Wellness: 0 days

What Does ASPCA Cover?

Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. However, this coverage may have limitations, so please check your policy.

ConditionCovered By ASPCA Pet Insurance
Behavioral Therapies
Alternative/Holistic Therapies
Exam Fees
Wellness CareExtra Fee

Accident Only Coverage

ASPCA Pet Insurance offers an Accident Only plan that covers accidents (as its name suggests), so things like broken bones are covered. It doesn’t cover any illnesses, routine care, acupuncture, or chiropractic treatment. You can choose your annual deductible, reimbursement amount, and annual payout as with a more comprehensive plan.

What’s Covered?

  • Torn ligaments
  • Bite wounds
  • Cuts
  • Broken bones
  • Lodged foreign objects
  • Toxic Ingestions

Pricing Quotes

We’ve gathered some sample prices from ASPCA Pet Insurance. You can choose your deductible, annual payout, and reimbursement amount from the options listed in the table below.

Deductible OptionsPayout OptionsReimbursement Options

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 2021.

BreedLabrador RetrieverGolden RetrieverGerman ShepherdMixed Cat
LocationIowa (50125)Illinois (60631)California (92027)Ohio (44108)
Price Per Month$83.69$79.86$72.06$26.77
Reimbursement Level80%70%80%80%
Annual Deductible$250$500$500$250
Annual Payout Limit$10,000$5,000$10,000$10,000

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

Coupon Code

ASPCA Pet Insurance offers a 10% multi-pet discount when you use this link.

Frequently Asked Questions

Here are some frequently asked questions regarding ASPCA Pet Insurance from our readers.

How To Cancel ASPCA Pet Insurance?

Contact ASPCA Pet Insurance via email, fax, mail, or phone to cancel your ASPCA Pet Insurance policy. ASPCA Pet Insurance will refund any premium you paid for any period after your last date of coverage.

If cancellation occurs within the first 30 days of the first effective date, ASPCA Pet Insurance will refund the premium paid if no covered expenses have been applied to your deductible or reimbursed.

If you’d like a replacement for your ASPCA Pet Insurance policy, take a look at our pet insurance reviews to see which pet insurance companies we recommend.

Why Do I Need Pet Insurance?

If your dog experiences 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.

How Is Reimbursement Determined?

ASPCA Pet Insurance uses a “deductible then copay” reimbursement method. This is calculated in the following way:

  • Actual vet bill amount – Remaining annual deductible – Copay = Reimbursement amount

What Are The Most Common Claims Processed By ASPCA Pet Insurance?

  1. Growth/cancer & therapy
  2. Ear-related claims (e.g., ear infections)
  3. Gastrointestinal issues (e.g., vomiting and diarrhea)

ASPCA vs Other Companies

Interested in seeing how ASPCA stacks up against other popular pet insurance companies? We’ve written comparison articles for you to see how ASPCA and other leading pet insurance companies compare in coverage, customer service and reputation, claim processing, plan customization, and price.

What’s Our Verdict On ASPCA Pet Insurance?

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. 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 ASPCA Pet Insurance compares to other top companies in our pet insurance showdown. Learn more about ASPCA pet insurance direct from the source in our interview with Liz Watson.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, 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 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.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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