Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Insurance Pet Insurance ASPCA Pet Insurance Review Updated May 31, 2024 3-min read Reviewed by Jeff Gitlen, CEPF® Reviewed by Jeff Gitlen, CEPF® Expertise: Student loans, personal loans, home loans, insurance, credit cards Jeff Gitlen, CEPF®, is the director of growth at LendEDU. He graduated from the Alfred Lerner College of Business and Economics at the University of Delaware. Learn more about Jeff Gitlen, CEPF® Best for Reliability 4.3 /5 LendEDU Rating Free Quote Pet Insurance Customizable plansShort waiting periodsIllness exam fees coveredMultipet discountExcellent customer reviews Claims process can be slowNo deductible options over $500 If your pet gets injured or sick, pet insurance allows you to get them the treatment they need while giving you peace of mind about how to pay for care. ASPCA is a terrific option for pet insurance. It offers comprehensive coverage, customizable policy terms, and other benefits. ASPCA pet insurance covers accidents, illnesses, hereditary conditions, and behavioral issues, depending on your policy. This ASPCA pet insurance review will help you decide whether ASPCA fits your needs. Table of Contents Skip to Section What ASPCA pet insurance coversCosts of ASPCA pet insuranceMore about ASPCA pet insurance ASPCA pet insurance coverage As one of the first pet insurance providers in the country, ASPCA has supplied pet insurance and other financial assets since 1997. It’s processed millions of claims since. ASPCA offers several plans: Complete CoverageAccident-onlyPreventive care add-ons for wellness coverage Complete Coverage plan The Complete Coverage plan covers exam fees, treatment, and diagnostic costs for accidents, illnesses, hereditary conditions, and behavioral issues. You’ll pay your vet bill, submit your claim, and get your money back for the expenses. The amount you get back depends on your annual deductible and which reimbursement percentage you chose when you enrolled in the program. TermOptionsReimbursement percentage90%, 80%, or 70%Deductible$100, $250, or $500Annual limits$5,000, $10,000, $15,000, or $20,000 Accident-Only Plan You can get accident-only coverage if you don’t want the complete coverage package. This covers unexpected issues, including: Bite woundsBroken bonesSwallowed objectsToxic ingestions It also covers diagnostic services and treatments prescribed for accidents, including X-rays, MRI, ultrasounds, blood work, sutures, medications, hospitalization, and surgery. Preventive Care add-on If you want coverage for preventive care too, you can tack it on to your base plan for an additional cost every month. This option will cover needs such as: VaccinesFlea and tick medicationHeartworm preventionDental cleanings Be aware of exclusions, including pre-existing conditions, cosmetic procedures, and breeding costs. ASPCA pet insurance cost Your cost depends on what plan you choose, and premiums vary based on deductibles and coverage maximums. Opt for the higher deductible and a smaller annual payout limit to keep your ongoing costs low. Pros & cons of ASPCA pet insurance Pros Customizable plans When you buy pet insurance through the ASPCA, you can tailor your policy to fit your needs. You decide on the type of plan, coverage limits, deductible, and reimbursement level. Short waiting periods ASPCA’s waiting periods are only 14 days, meaning your pet will be covered just two weeks after signing up. Illness exam fees covered Some providers don’t cover the costs of exams for your pet, but ASPCA does. Multipet discount Get a discount of 10% per pet if you enroll multiple pets in ASPCA’s pet insurance. Excellent customer reviews As one of the more established pet insurance providers, ASPCA pet health insurance also has a long record of customer satisfaction in a newer industry. Cons Claims process may be slow at times According to some customer reviews, claims with ASPCA pet insurance aren’t always processed in a timely manner. No deductible options over $500 Some people prefer higher deductibles and, therefore, lower monthly premiums. Several other providers offer higher maximums than ASPCA. Read More Is pet insurance worth it? ASPCA pet insurance availability ASPCA is available to dog and cat owners throughout the United States. Your pet must be at least 8 weeks old to enroll, but it doesn’t have a maximum age limit for senior pets. You can handle the claims process online from your computer or phone. >> Sign up for ASPCA pet insurance here. Contact ASPCA pet insurance Submit a claim in the member center online or through the ASPCA app. Just hit the claims button, explain what happened to your pet, and take a picture of your bill. Pet parents can also mail in a claim or send it by fax, but the quickest way to get your claim underway is to use the app. If you have questions about your insurance policy or pending claim, call the customer service department at 866-204-6764. It’s open Monday to Friday from 8 a.m. to 9 p.m. Eastern time, Saturday from 9 a.m. to 5 p.m., and Sunday from 11 a.m. to 3 p.m. If you want a trusted company for your pet insurance needs, ASPCA fits the bill. It has a record of outstanding customer service, and although it might take a while to process the claim, you’ll be doing business with a company that has been one of the frontrunners in the pet insurance industry. To compare other options, check out our reviews of popular pet insurance companies or see our picks for the best pet insurance. You can also check our direct comparison of ASPCA vs. ManyPets. Ready to cover your furry friend? Check out your rates. View Rates Benefit limit: $3,000 – unlimitedDeductibles: $100 – $500Reimbursement: 70% – 90% 4.3 ASPCA Pet Insurance