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Insurance Pet Insurance

ASPCA Pet Insurance Review

Updated Nov 29, 2023   |   4-min read
Jeff Gitlen, CEPF® Author Photo
Reviewed by Jeff Gitlen, CEPF®
Jeff Gitlen, CEPF® Author Photo
Reviewed by Jeff Gitlen, CEPF®

Expertise: Student loans, personal loans, home loans, insurance, credit cards

Jeff Gitlen, CEPF®, is the director of content operations at LendEDU. He graduated from the Alfred Lerner College of Business and Economics at the University of Delaware.

Learn more about Jeff Gitlen, CEPF®

ASPCA PHI
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on ASPCA’s secure website
Editorial Rating

5
Editorial Rating

Editor’s Choice

Customizable policies

Monthly PremiumAs low as $8
Deductible$100, $250, $500 annually
Benefit LimitsNo lifetime limits>/span>
Age RestrictionsMinimum: 8 weeks
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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.

Depending on your policy, ASPCA pet insurance covers accidents, illnesses, hereditary conditions, and behavioral issues. This ASPCA Pet Insurance review will help you decide whether ASPCA fits your needs.

In this review:

ASPCA Pet Insurance coverage

ASPCA has been supplying pet insurance and other financial assets since 1997 as one of the first pet insurance providers in the country. Since then, it’s processed millions of claims.

ASPCA offers several plans, including complete coverage, accident-only coverage, and preventative 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.

You can opt to get reimbursed for 90% coverage, 80% coverage, or 70% of your covered bill. You can choose a deductible of $100, $250, or $500.

Policies also have annual limits. When you sign up for coverage, benefit limits include $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 exam fees, treatment, and diagnostic costs for injuries resulting from an accident.

Preventative 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. 

Be aware of exclusions, including preexisting 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. But remember, if your pet has issues, you could pay more per year if you had complete coverage. 

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.

ASPCA Pet Insurance availability

ASPCA is available to dog and cat owners throughout the United States. Your pet must be at least 8 weeks 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 of 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.

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  • Benefit limit: $3,000 – unlimited
  • Deductibles: $100 – $500
  • Reimbursement: 70% – 90%