ASPCA
4.7

out of 5

ASPCA Pet Insurance for Dog & Cat

Updated: November 13, 2023

ASPCA Pet Insurance is a good option for pet parents who are looking for affordable pet insurance with a variety of coverage options and excellent customer service. Plans start at $19 per month.

ASPCA Pet Insurance Details

    • Why Our Users Picked It:

      Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.

      Pros & Cons:

      • Simple and streamlined claims process
      • Awesome customer service
      • Extensive coverage of many conditions and treatment options
      • Some of the most affordable premiums in the space
      • No special waiting periods for cruciate ligament issues or other specific conditions
      • Limited choices of deductible
      • Highest annual coverage option is only $10,000 (other providers offer unlimited annual coverage)

      Plan Limits

      • Per Condition Limit Unlimited
      • Lifetime Limit Unlimited
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Hospitalization Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Rehabilitation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Continual Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Emergency Visits Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Surgery Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Congenital or Hereditary Conditions
      • Cancer Treatments
      • Dietary Supplements Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • End of Life: Burial and Cremation Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Illness
      • Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Prosthetics
      • End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Bilateral Conditions Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
      • Vet Exam Fees Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Organ Transplants Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Wellness Cover Covered up to the selected annual limit ($2,500-Unlimited) - * If the additional "Preventive Care" is purchased.
      • Lab Tests Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
      • Behavioral Treatments Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)

      Plan Summary

      ASPCA Pet Health Insurance®, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents. Their Complete CoverageSM plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost.

    Most popular dog breeds insured by ASPCA Pet Insurance

    Here are the top 10 dog breeds covered by ASPCA insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $102.54
    German Shepherd $115.07
    Miniature Goldendoodle $131.50
    Miniature Pinscher $92.46
    Labrador Retriever $132.01
    Golden Retriever $154.50
    French Bulldog $179.12
    Bullmastiff $111.35
    Yorkshire Terrier $99.08
    Puggle $114.99
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by ASPCA Pet Insurance

    Here are the top 10 cat breeds covered by ASPCA insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Domestic Short Hair $74.01
    Siamese $60.72
    Domestic Shorthair Mix $115.15
    American Shorthair $42.19
    Turkish Angora $79.20
    Ragdoll $165.79
    Other Mixed Breed $34.08
    Domestic Medium Hair Mix $55.41
    Domestic Longhair Mix $57.23
    Cameo Longhair $150.87
    Data source date 60 days, cost based on user selected average
    Get a Quote & Compare

    Compare With Other Top Pet Insurance Providers 2024

    • Users appreciate the efficiency of claims processing and prompt reimbursement. They also love the great customer service Embrace offers.
    • Many users have said how much they appreciate the simplicity and user-friendly nature of the Healthy Paws app and website for submitting claims. Users also praise the quick turnaround time for claim review and reimbursement, with some receiving payments within 48 hours.
    • Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
    • Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
    • Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.
    • Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
    • Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
    • Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
    • Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

    Select up to 3 providers to compare

    ASPCA Pet Insurance FAQ?

    • How long does it take ASPCA to process my claim?

      According to their website, ASPCA pet insurance completes claims within 30 days or less. The company has a Member Center where you can track the status of your claim.

    • Does ASPCA offer preventative care?

      Not as a standalone policy. But you can easily add on preventative care coverage to your Accident & Illness policy.

    • How does ASPCA send payment?

      ASPCA pet insurance can either send you a check by mail, or direct deposit payment into your account. The choice is up to you.

    • Does ASPCA limit the number of claims we can submit?

      No, ASPCA does not have a limit. They do, however, require you to file a claim within 270 days of the vet visit.

    Get a quote today

    Leave a review