ASPCA Pet Insurance Review (& Hartville): Don’t Let The Name Fool You!

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Dog running through water with toy in mouthIs 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? The pet insurance agency (Crum & Forster (C&F) Insurance Agency, Inc.)  and Hartville, its pet insurance arm, pay a royalty fee to use the ASPCA mark, but are not affiliated directly with the ASPCA.

Visit ASPCA Pet Insurance | Visit Hartville Pet Insurance

Article Overview

How Are ASPCA Pet Insurance & Hartville Related?

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

To clarify further, ASPCA and Hartville Pet Insurance are the same products sold under two different brand names. ASPCA is the more well-known product thanks to the prominent ASPCA reputation, which is probably a large part of why Hartville is selling a portion of its insurance under the ASPCA name.

The fact that the ASPCA is putting its name on this Hartville product says a lot. The ASPCA must think this is a great product and therefore is okay with the company using its name. Both ASPCA Pet Health Insurance and Hartville Pet Insurance are available to the general consumer as well as to groups and employers.

Key Features

  • Underwriter: United States Fire Insurance Company
    • A.M. Best rating: A
  • No exam period
  • Pre-existing conditions defined by ASPCA/Hartville:
    • 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.
  • Claims are paid in an average of 8-9 days or less and direct deposit is an option
  • Must submit your claim within 270 days from the date of service via the mobile app or claims form
  • 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)
  • No bilateral exclusions
  • 30-day free look period (similar to a money back guarantee)

ASPCA Pet Insurance Review

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


  • Offers optional 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)
  • Conditions that are free of symptoms and treatment for 180 days are not considered pre-existing conditions
  • No waiting period for accidents
  • BBB rating: A+ (C&F Insurance Agency, Inc.)
  • 30-day money back guarantee


  • $2 transaction fee, if not paying annually
  • 14-day waiting period for illnesses, including knee and ligament injuries
  • Can't change/add some items to plan until the next 12 month period begins
  • Low reimbursements reported by customers

Services Covered

Below is a list of services covered (and not covered) by ASPCA Pet Insurance/Hartville (as of May 2018).

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)

Coupon Code

There are no active ASPCA Pet Health Insurance coupon codes at this time.

How Much Does ASPCA Pet Insurance Cost?

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 five annual limit options: $5,000, $10,000, $15,000, $20,000 or unlimited.

BreedLabrador RetrieverGolden RetrieverGerman ShepherdYorkshire TerrierYorkshire TerrierYorkshire TerrierMixed Breed Cat
Age28464 months7 months2
LocationIowa (Zip code 50125)Illinois (Zip code 60631)California (Zip code 92027)New York (Zip code 10012)New York (Zip code 10012)Iowa (Zip code 50125)Ohio (zip code 44108)
Price Per Month$49.70$69.35$53.22$43.98$30.79$32.40$25.98
Reimbursement Level80%70%80%90%90%70%80%
Annual Deductible$250$500$500$250$250$500$250
Annual Maximum$10,000$5,000$8,000$5,000$5,000Unlimited$20,000

You can find more specific pricing examples in our Pet Insurance Quotes article, which compares pricing with seven different pet insurance companies.

Hip Dysplasia Coverage

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

Waiting Periods

ASPCA Pet Health Insurance Customer Reviews

Positive Reviews

We got this insurance a few years ago after our dog spent almost a week in doggy intensive care after a bout of leptospirosis. It was apparent that she was prone to illness and we wanted to avoid another $5000 plus vet bill. She is an older dog with a pre-existing condition so it wasn’t cheap over $1000 per year. In the last six months she’s ended up back in the MSPCA hospital twice, the most recent time several days for severe pancreatitis.Both visits combined racked up a bill of about $6000 of which over $5000 was paid back by ASPCA insurance after deductibles etc. Not perfect but we have been happy with their coverage and response time. – Kevin B., Yelp 4/9/2018

I’ve been using Nationwide Insurance for my Pomeranian for years. Once in a while my dog get sick I called customer service how to submit a form they seem to be that I bother them and it takes them a long time to response and cheap. They only want to take your money… Forget you. I changed to ASPCA. They are awesome and they will accept older dog with less money/ After 6 months my dog got sick, I submit my expense. Very simple. They reimburse in a week and give me a call to see my dog is alright. I really impress how caring of ASPCA. – Thu, Consumer Affairs 5/2/2017

Negative Reviews

ASPCA acting as a cheap spamming emails company. After I got a quote for my dog – the ASPCA company got crazy with their promo emails! After some time I started getting emails from other companies with their promo insurance offers for my dog. Obviously ASPCA company was trading my emailing address to other companies. Just no need such annoying company which as I can see irresponsible and has negative impressions by the ASPCA company clients. – John, Consumer Affairs 3/27/2018

I added a policy with the ASPCA and thought with their new policies that it was a good choice. That couldn’t be further from the truth, and I have already cancelled after less than 24 hours. They called to “welcome” me to the ASPCA and I proceeded to ask them questions regarding pre-existing conditions. The representative told me that anything even not diagnosed would be considered pre-existing. I asked then, since I had a situation where a dog was diagnosed with hip dysplasia after being x-rayed for a knee problem, how I could know all of the issues my dogs had when that dog didn’t have symptoms. Keep in mind that I was clear during the conversation that the dog I asked about had an accident only policy and wouldn’t qualify for illness coverage. The rep then tells me they record these calls and they would refer back to this call AND review the medical records to determine if my dogs had pre-existing conditions. Her tone was accusatory and it certainly seemed like a threat to me. They refuse to review medical records and tell me what was considered pre-existing, and she just told me I could get a quote from the vet and submit it to see if I was covered. I told her I wouldn’t even have anything to submit when my two dogs covered by illness and hereditary conditions didn’t have issues. They indicate these calls are recorded for quality assurance when they call you or you call them. Quality is not the reason for the recording, it is to try to get out of paying in the future Which by the way makes no sense, because my dogs I was going to insure were fairly healthy. They lost out on insuring three pets that are fairly young for life. and you should be VERY careful dealing with this business. Don’t let the nice reps fool you, this lady was sickeningly nice before her threat during the call. – Samantha S., Yelp 1/25/2018

Why You 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. Its 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 reviews.

If you’ve had ASPCA Pet Insurance or Hartville, 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.
Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She and her husband adopted Sally, a four-year-old hound mix, in early 2017, and she has brought so much joy into their lives. Life as pet parents has been very rewarding.

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I am not happy with ASPCA. I have been insuring my pet with them for 9 years. When she was a puppy it was fine as the only claim was for yearly shots. Now that she is older and had a surgery it is a different story. I had to place an appeal as the reimbursement was only a token amount on a $2000.00 bill and also as she gets older they raise the premium every two years. The worst part is that she went for her yearly shots and because there is an appeal in on a surgery from last year they have yet to reimburse me for her shots and wellness and also because they say I have an appeal in so they are not processing any claims till the appeal is settled. My vet has sent everything they requested even operative notes and still today I call and they say they need more info which they never requested from me or my vet. It is just a way to stall payment I am sure. You get a different representative each time who say they understand your frustration but then they say they will check into it and call you back. No one calls. Very frustrated, upset and feel taken by this company. It should not take two months to process a claim. Looking for ways to get out of this company but afraid if I cancel they will not pay me what I am due.
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
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!