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ASPCA pet insurance review Sep 2020

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Scoop up free benefits to go along with multiple policy options.

  • Get a quote if you’ll enjoy the free coverage that comes with ASPCA policies.
  • Pick something else if you want the cheapest price available.

Dogs, Cats, Horses

Pets covered

What pet insurance coverage does ASPCA offer?

The American Society for the Prevention of Cruelty to Animals (ASPCA) blends essentials with free extras for prescription diets, alternative therapy, microchipping and end-of-life expenses.

  • Diagnostics. Find out what’s wrong with your pet before treatment, without worrying about the cost of X-rays or CT scans.
  • Accidental injuries or illnesses. Protect your pup or cat from incidents caused by illnesses, nature or unpredictable accidents like car injuries.
  • Behavioral problems. Nip behaviors like excessive licking or destructive chewing before they damage your fur-friend’s health or your home.
  • Dental disease. Your pet has protection for illnesses from dental problems, a condition not covered by every pet insurer.
  • Prescription medicine and food. Take your pet home with the right medication or prescribed diet to help your companion feel better. Prescription food isn’t normally covered by pet insurance.
  • Hospitalization and emergency care. Worry less about leaving your pet at the hospital or calling on emergency services when they’re needed.
  • Surgery. Let your policy cover the expenses of a surgical procedure to help your four-legged friend recover from an accident or illness.
  • Chemotherapy. If your furry friend is facing cancer, treatment costs are covered.
  • Alternative treatments. Whether you’re trying chiropractic care, hydrotherapy or laser therapy, these alternative treatments are covered under ASPCA’s accident and illness plan.
  • Microchipping. Keep tabs on your pet’s whereabouts with an implanted microchip.
  • End-of-life expenses. Pay for your pet’s humane euthanasia, burial or cremation expenses. This coverage doesn’t include any memorial items or the casket.

What are the differences for ASPCA horse insurance?

Horse policies don’t cover behavioral therapy, alternative treatments, burial or cremation expenses.

However, you can choose from two policies: an accident-only policy that includes coverage for colic, accident and illness or a colic policy. Colic is a common stomach illness in horses that can turn deadly but is treatable if it’s caught early.

Specific items covered for horses:
What are the differences for ASPCA horse insurance?
Horse policies don’t cover behavioral therapy, alternative treatments, burial or cremation expenses.

However, you can choose from two policies: an accident-only policy that includes coverage for colic, accident and illness or a colic policy. Colic is a common stomach illness in horses that can turn deadly but is treatable if it’s caught early.

Specific items covered for horses:

  • Treatment for accidents or illnesses, including colic
  • Poison control consultation
  • Intravenous fluids and medication
  • Medical supplies like bandages, casts or splints
  • Tooth extractions
  • Cancer treatments
  • Humane euthanasia

What extra benefits and add-ons does ASPCA offer?

You can add routine care for a comprehensive pet policy or pare back coverage to accidents only.

  • 30-day money-back guarantee. If you’re not happy with your policy, ASPCA lets you opt out within 30 days of buying without a penalty.
  • Accident only. Protect your four-legged companion in unpredictable accident situations like car injuries or getting in a fight with another animal.
  • Routine care. You can add a high or low coverage plan to your policy for services like parasite testing, vaccines and dental cleanings. For horses, these plans include an annual exam, teeth floating, routine tests and vaccines — but not deworming, hoof trimming or horseshoes.

How much is ASPCA pet insurance?

ASPCA’s prices lean toward the pricey side, costing $17 to $30 for cats and $30 to $55 for dogs. You can likely find cheaper coverage elsewhere if you want a low deductible or high policy maximum.

With other pet insurance companies, you’d expect monthly payments around $20 for cats or $40 for dogs.

ASPCA insurance quotes

BreedAgeGenderDeductibleReimbursementMaximum benefitMonthly rate
CatDomestic shorthair2 years oldFemale$50070%$5,000$16.91
CatDomestic shorthair2 years oldFemale$25090%$10,000$32.42
DogMixed breed – medium size2 years oldFemale$50070%$5,000$30.43
DogMixed breed – medium size2 years oldFemale$25090%$10,000$56.23

Routine and accident-only coverage quotes

An accident-only policy costs somewhere between $15 to $25 monthly for cats, and $20 to $35 per month for dogs. These prices stick to the standard range for this type of policy, though we’ve seen cheaper policies at other companies.

Preventive care plans run from $10 to $25 per month for both dogs and cats, a reasonable price for this kind of policy.

Which discounts can I get?

This insurer doesn’t mention any pet insurance discounts, but most policies offer savings for insuring more than one pet.

Pros and cons of ASPCA pet insurance

Pros

  • Free coverage perks. ASPCA offers several types of coverage that are normally excluded or add-ons with other companies. Those include alternative care, microchipping and end-of-life benefits.
  • High overall customer ratings. Thousands of customers chime in about the excellent customer service this pet insurer offers. You’ll still see a few complaints and negative experiences.
  • Offers policies for horses. Not many insurance companies include protection for horses, but ASPCA does.
  • Multiple routine care plans. Choose from the basic or standard routine care plans to fit your pet’s wellness needs.

Cons

  • Not the cheapest policies. If you’re looking for basic coverage, you’ll pay a standard rate with ASPCA. But high coverage limits on an accident and illness policy could mean a higher premium than you’d find with other companies.
  • Long claims processing. The website says that claims can take up to 30 days to process. However, your processing time may differ based on the type of claim and documentation filed.
  • 14-day waiting periods. This waiting period length isn’t unusual for illnesses. But you can find accident coverage with much shorter time frames like five days.

ASPCA pet insurance reviews and complaints

ASPCA’s pet insurance scores high ratings from over 2,000 customer reviews on Trustpilot. Customers gave the company an overall 4.7 out of 5, as of August 2020.

However, ASPCA’s policies are underwritten by the United States Fire Insurance Company, which holds an F score from the Better Business Bureau (BBB). This score reflects its lack of response to three BBB complaints filed by customers. The United States Fire Insurance Company isn’t BBB-accredited, so it may not check its profile for ratings or complaints.

On the plus side, the company scored a 0.39 rating on the 2019 National Association of Insurance Commissioners complaint index. This rating suggests much fewer complaints than normal for the company’s size.

The NAIC complaint index scores businesses based on their number of complaints compared to the business size. A score of 1.00 is considered the national standard.

How do I sign up?

You can apply online or call 888-716-1203 if you need to customize your policy or buy horse insurance. If you’re applying online:

  1. From ASPCA’s website, click to Get a Quote.
  2. Give your pet’s name, animal type and ZIP code and tap Continue.
  3. Answer additional questions about your pet, including the breed and age. Click View Coverage.
  4. View your quote and toggle between the deductible and reimbursement amounts. You can also choose the accident-only plan at this time.
  5. Once you found the right pricing, click Select Complete Coverage if you want to buy a policy.
  6. Review your information and click Continue to Checkout. If you want routine care coverage, follow the link to add the plan of your choice.
  7. If you have another pet, you can add that pet’s details before checking out.
  8. Fill out your personal information and payment details, then click Complete Enrollment.

What’s not covered?

This pet insurance company spells out its common list of exclusions:

  • Pre-existing conditions, unless symptom-free for 180 days
  • Pre-existing knee and ligament conditions
  • Breeding or pregnancy
  • Routine care, unless you buy add-on coverage
  • Cosmetic procedures
  • Boarding or grooming services
  • Pet toys, nonmedical food and training supplies
  • Prescription food for general health maintenance or weight control
  • Supplements or vitamins used for general health or weight control
  • Herbs
  • Treatments that you or another policyholder conducts or supervises, even as a certified vet
  • Conditions from organized fighting, racing, law enforcement or personal protection
  • Experimental treatments
  • Avian flu
  • Conditions caused by war or governmental orders
  • Funeral service costs, including a casket or memorial items

Alternatives to ASPCA pet insurance

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Petplan
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Embrace
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
PetFirst
Dogs, Cats
Get coverage starting at $9 per month for cats and $15 for dogs. Talk to an agent at 888-738-0683.
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Frequently asked questions about ASPCA pet insurance

Expert review

Sarah George

Review by


Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

ASPCA offers some of the widest coverage available for pet insurance because it covers several treatments or situations that most companies don’t. Those include alternative treatments, fully healed pre-existing conditions and end-of-life expenses — making it a solid option for senior pets or those needing wide coverage.

However, you’ll need flexibility in your finances because getting your claims reimbursed may take a while. Also, ASPCA offers fair rates for basic policies, but you might pay more than a competitor’s policy if you’re buying its top-tier pet insurance. If you’re looking for a mix of value and coverage, you can shop around with several pet insurers to discover your best choice.

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