ASPCA Pet Insurance Review 2025: Plans, Cost & Is It Worth It?
Our expert's opinion on ASPCA
ASPCA Pet Health Insurance offers accessible accident-only and comprehensive (accident + illness) options with straightforward digital claims tools and 24/7 telehealth support.
The company provides two plan types — Accident-Only and Complete Coverage — with reimbursement choices of 70% or 90%, annual limits of $2,500 or $10,000, and annual deductibles of $100 or $500; routine preventive or wellness care is not covered.
Compared with major competitors, ASPCA emphasizes customizable limits and tiered pricing with lower entry-level premiums for accident options while limiting preventive coverage and exercising cautious claims adjudication.
Best suited for owners of young, otherwise healthy pets or those seeking flexible accident-only options and adjustable reimbursement/deductible combinations.
Administratively linked to United States Fire Insurance Company, ASPCA holds a Trustpilot rating of 3.7/5 from 6,299 reviews; customers commonly report quick reimbursements when invoices are complete and easy app-based claim filing, alongside occasional claim denials and slower processing times.
- ✅Accident and full illness plan options
- ✅Customizable reimbursement rates (70% or 90%)
- ✅Two annual limit tiers ($2,500 or $10,000)
- ✅Choice of $100 or $500 annual deductibles
- ✅24/7 telehealth veterinary hotline
- ✅Generally quick reimbursements for complete claims
- ✅Coverage for death and cremation services
- ❌No routine preventive or wellness coverage
- ❌Pre-existing conditions excluded (including ligament/knee issues)
- ❌Some policyholders report claim denials
- ❌Occasional slower claim processing reported
- ❌Limited elective and specific dental coverage
Score- ✅Accident and full illness plan options
- ✅Customizable reimbursement rates (70% or 90%)
- ✅Two annual limit tiers ($2,500 or $10,000)
- ✅Choice of $100 or $500 annual deductibles
- ✅24/7 telehealth veterinary hotline
- ✅Generally quick reimbursements for complete claims
- ✅Coverage for death and cremation services
Our expert's opinion on ASPCA
- ✅Accident and full illness plan options
- ✅Customizable reimbursement rates (70% or 90%)
- ✅Two annual limit tiers ($2,500 or $10,000)
- ✅Choice of $100 or $500 annual deductibles
- ✅24/7 telehealth veterinary hotline
- ✅Generally quick reimbursements for complete claims
- ✅Coverage for death and cremation services
- ❌No routine preventive or wellness coverage
- ❌Pre-existing conditions excluded (including ligament/knee issues)
- ❌Some policyholders report claim denials
- ❌Occasional slower claim processing reported
- ❌Limited elective and specific dental coverage
Score- ✅Accident and full illness plan options
- ✅Customizable reimbursement rates (70% or 90%)
- ✅Two annual limit tiers ($2,500 or $10,000)
- ✅Choice of $100 or $500 annual deductibles
- ✅24/7 telehealth veterinary hotline
- ✅Generally quick reimbursements for complete claims
- ✅Coverage for death and cremation services
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The ASPCA's Guarantees
At a glance, ASPCA offers two primary plan types: an Accident-Only plan and a comprehensive Complete Coverage plan (Accident + Illness). Both plans are available with configurable reimbursement rates (70% or 90%), two annual reimbursement limits ($2,500 or $10,000), and selectable annual deductibles ($100 or $500). Plan features include emergency care, consultations, surgery, imaging, lab tests, identification coverage, alternative medicine, and options for cremation and death benefits.
Plans are structured to let policyholders choose between more limited, lower‑cost accident-only protection and broader accident plus illness coverage with higher premiums. Waiting periods apply (14 days for accidents on both plans; 14 days for illness on the Complete Coverage plan). ASPCA provides 24/7 telehealth support and covers poison control consultation fees as part of accident benefits.
| Feature | Complete Coverage (Accident + Illness) | Accident-Only Plan |
|---|---|---|
| Plan positioning | Balanced / comprehensive | Entry / accident-focused |
| Type of coverage | Accident and illness | Accident only |
| Animals covered | Dogs, cats | Dogs, cats |
| Reimbursement rate | 70% or 90% | 70% or 90% |
| Annual reimbursement limit | $2,500 or $10,000 | $2,500 or $10,000 |
| Deductible (annual or per claim) | Annual deductible: $100 or $500 | Annual deductible: $100 or $500 |
| Age limits for enrollment | NC | NC |
| Pre-enrollment health questionnaire | NC | NC |
| Waiting period (accident) | 14 days | 14 days |
| Waiting period (illness) | 14 days | N/A |
| Lifetime coverage | NC | NC |
| Consultations | Yes | Yes |
| Medications | NC | NC |
| Hospitalization | NC | NC |
| Surgery | Yes | Yes |
| Diagnostic tests (imaging/lab) | Yes (imaging, lab tests) | Yes (imaging, lab tests) |
| Dental care | Yes (dental treatment to address covered illness) | No |
| Preventive care | No | No |
| Alternative medicine | Yes | Yes |
| Travel coverage (care abroad) | NC | NC |
| Civil liability | NC | NC |
| Euthanasia | Yes | Yes |
| Death & cremation coverage | Yes (cremation included) | Yes (cremation included) |
| Theft or loss + search expenses | NC | NC |
| Boarding fees | No | No |
ASPCA policies exclude pre-existing conditions (including specific references to ligament and knee conditions that present prior to policy start or during waiting periods). Preventive and routine care are not covered (vaccinations, routine dental cleanings, spaying/neutering, and general wellness maintenance are excluded unless otherwise specified). Cosmetic, elective, and breeding-related procedures are excluded, as are experimental or investigational treatments and certain dental procedures (aesthetic/cosmetic, endodontic, orthodontic services).
Other notable limitations include exclusions for non-medical costs (grooming, administrative fees, taxes, training), prescription or non-prescription foods and supplements for general health, and injuries or illnesses resulting from intentional acts or disallowed activities (racing, fighting, law enforcement/guarding activities). Coverage is subject to waiting periods, chosen annual limits and deductibles, and the plan design (accident-only versus accident+illness) which materially affects what is reimbursable.
ASPCA Exclusions
Pre‑existing conditions are excluded, with explicit treatment of bilateral and ligament/knee issues as pre‑existing when signs or treatment existed prior to the policy effective date or during waiting periods.
Routine preventive and elective services are excluded—this includes wellness exams, vaccinations, parasite prevention, spaying/neutering, and cosmetic procedures such as declawing or ear cropping.
Dental exclusions are broad (aesthetic, endodontic, orthodontic services and routine cleanings unless treating a covered illness), and the policy also excludes experimental treatments, organ transplants, prescription or non‑prescription food for general health, and supplements (including herbal products and CBD).
Owner‑related exclusions apply for intentional or grossly negligent acts and for activities like organized fighting or racing, and external catastrophic events (government‑ordered slaughter, pandemics as declared by USDA, nuclear events, war/terrorism) are not covered; funeral services beyond euthanasia/cremation and treatment by a veterinarian who is an owner or immediate family member are also excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions (incl. ligament/knee conditions and bilateral condition rules); Declared additional excluded conditions; Experimental/investigational treatments; Organ or heart valve transplants |
| Preventive & elective care | Wellness exams; Vaccinations; Parasite prevention; Spaying/neutering; Cosmetic/elective surgeries (declawing, ear cropping, tail docking) |
| Dental exclusions | Aesthetic/cosmetic dental procedures; Endodontic and orthodontic services (root canals, crowns, fillings, implants); Periodontal disease and routine dental cleanings (excluded unless treating a covered illness) |
| Therapeutics & consumables | Prescription food for prevention or general health; Non‑prescription pet foods; Supplements and vitamins; Herbal products including Cannabis (CBD) |
| Behavioral & training | Behavioral training or therapy not prescribed by a licensed veterinarian; Obedience training and training devices |
| Owner‑related & activities | Intentional, malicious, or grossly negligent acts; Injuries from organized fighting, coursing, racing, law enforcement or guarding activities; Exclusions after repeated similar incidents (e.g., repeated foreign body ingestion) |
| Non‑medical & administrative | Boarding (except where a specific benefit applies); Grooming, bathing, nail trims; House call fees; Administrative fees, taxes, medical waste, postage |
| Identification & final expenses | Funeral services beyond euthanasia/cremation (urns, caskets) excluded; Treatment by a veterinarian who is the owner, co‑owner, or immediate family member excluded |
| Catastrophic & external events | Avian influenza; Government‑ordered slaughter; Epidemics/pandemics declared by USDA; Nuclear events; War or terrorism |
ASPCA Prices
ASPCA positions itself as a mid‑range provider with clear entry points for budget‑conscious owners and configurable options for those seeking broader protection; Accident‑Only plans offer very low monthly premiums, while Complete Coverage can rise substantially when you choose higher reimbursement rates, lower deductibles, and larger annual limits.
Reimbursement percentage, deductible level, and annual coverage cap are the primary levers that drive price and value—higher reimbursement (90% vs 70%), a lower deductible ($100 vs $500), and a $10,000 annual limit materially increase premiums compared with the lower‑cost configurations.
Key differentiators that justify ASPCA’s pricing include 24/7 telehealth access, poison control consultation, app‑based claims and reportedly fast reimbursements, and the availability of optional features (e.g., higher limits, cremation) that allow buyers to tailor cost vs. coverage more granularly than basic entry‑level products; these digital and service‑based elements position ASPCA between no‑frills insurers and full‑service premium competitors.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Complete Coverage (Accident + Illness) | Accident-Only Plan |
|---|---|---|
| Dog Labrador 1 year | $41.94 / $137.07 | $24.59 / $74.34 |
| Dog Labrador 3 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Dog Labrador 7 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Dog Australian Shepherd 1 year | $41.94 / $137.07 | $24.59 / $74.34 |
| Dog Australian Shepherd 3 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Dog Australian Shepherd 7 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Dog French Bulldog 1 year | $41.94 / $137.07 | $24.59 / $74.34 |
| Dog French Bulldog 3 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Dog French Bulldog 7 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat European Shorthair 1 year | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat European Shorthair 3 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat European Shorthair 7 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat Maine Coon 1 year | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat Maine Coon 3 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat Maine Coon 7 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat British Shorthair 1 year | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat British Shorthair 3 years | $41.94 / $137.07 | $24.59 / $74.34 |
| Cat British Shorthair 7 years | $41.94 / $137.07 | $24.59 / $74.34 |
ASPCA Promo Codes
| ASPCA Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with ASPCA?
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $250 (consultation + medication)
Deductible amount to subtract: $100 (this is the annual deductible)
Amount reimbursable after deductible with the highest-tier plan (90%): $250 – $100 = $150
90% of that amount reimbursed: $150 × 90% = $135
👉 You receive a reimbursement of $135.
Annual Deductible Information
The annual deductible applies once per policy year; future claims that year are not subject to the deductible again unless it resets.
✅ Example 2: Cruciate ligament surgery (TPLO)
Total vet costs: $5,200 (surgery, imaging, hospitalization, medications, rehab)
Deductible amount to subtract: $0 (deductible already met earlier in the year)
Amount reimbursable after deductible with the highest-tier plan (90%): $5,200 – $0 = $5,200
90% of that amount reimbursed: $5,200 × 90% = $4,680
👉 You receive a reimbursement of $4,680.
Reimbursement Against Annual Limit
*This reimbursement is applied against the annual coverage limit (example: $10,000); remaining annual limit after this claim would be $10,000 – $4,680 = $5,320.*
✅ Example 3: Emergency dental extraction for infected tooth
Total vet costs: $900 (exam, extraction, anesthesia, medications)
Deductible amount to subtract: $100 (this is the annual deductible)
Amount reimbursable after deductible with the highest-tier plan (90%): $900 – $100 = $800
90% of that amount reimbursed: $800 × 90% = $720
👉 You receive a reimbursement of $720.
Dental Treatment Coverage
*Dental treatment is reimbursed when it is to treat a covered illness or injury; routine dental cleanings are generally excluded from core coverage.*
ASPCA Assistance
ASPCA offers 24/7 telehealth and poison-control consultation, both high-value services for urgent triage and immediate clinical advice.
Claims are handled digitally through an app and online portal, and many owners report fast reimbursements, though some describe the interface as uneven.
There is no clearly communicated advance-payment or direct-to-vet billing program, and payment-plan options for vet bills are not communicated.
Information about a partner clinic network and coverage while traveling abroad is not communicated, so owners should verify those specifics before relying on them.
| Assistance ASPCA | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | Mobile app available for claims submission and policy management. Rating: N.C. |
| Paperless claims process | ✅ | Electronic claims via app and online portal. Quick reimbursements often reported. |
| Emergency vet service | ✅ | 24/7 telehealth vet line available for triage. Poison-control consultation included under accident benefits. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | N.C. | N.C. |
ASPCA Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.7/5 (6,299 reviews) |
Notes and reviews by platform
Customers most often praise timely reimbursements when claims are submitted with complete documentation, the ease of filing claims through the app or website, and courteous support during difficult events such as end‑of‑life care, while many also appreciate straightforward plan setup and customization options.
At the same time, recurring concerns center on claim denials tied to alleged pre‑existing conditions, occasional slow processing or requests for additional paperwork, and frustrations with reaching effective support or navigating the digital interface, which some customers describe as clunky.
Here are some examples of customer reviews:
*A.C., 26/08/2025 — Timely review and processing of our pet claims… [and] support with cremation services as well as heartfelt condolences.*
*G.B., 26/08/2025 — ASPCA has been an absolute gift to us… We have submitted every bill… and ASPCA has paid very quickly.*
*A.R., 24/08/2025 — Useless customer service… Whole claim was denied outright… [and] calling customer service just got me a headache.*
Contact ASPCA
| ASPCA Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit claims electronically using the online claim form or your ASPCA customer account. Include a complete, itemized veterinary invoice and any supporting clinical records or receipts; additional documentation may be requested. Track claim progress via the online account or customer portal. Appeals of claim decisions must be submitted in writing. Specific filing deadlines and the reimbursement payment method are N.C. |
| To obtain a certificate of insurance | Request a certificate by contacting ASPCA customer service by phone, email, or by sending a written request to the administrative office; availability through an online policy portal is N.C. The exact information required to process a certificate request is N.C. |
| To contact assistance | Available channels include the online customer portal/online claim forms and written correspondence to the administrative office: United States Fire Insurance Company, 1208 Massillon Rd. Suite G 200, Akron, OH 44306. Customer service phone number and email address are N.C.; Customer Satisfaction Department is available during regular business hours. |
| To cancel my policy | Cancellation requests can be made by email, telephone, fax, or postal mail and should be sent to customer service or the administrative office. A written cancellation request may be required for processing. Required cancellation details, notice periods, and refund conditions are N.C. |
FAQ
How do I cancel my pet insurance policy with ASPCA?
Requests to cancel can be submitted to Customer Service by email, telephone, fax, or postal mail.
Written cancellation requests are accepted and should identify the policy to be canceled.
Required documentation to process the cancellation: N.C.
Notice period and refund/prorated premium conditions: N.C.
What are the waiting periods for accident and illness coverage with ASPCA?
Accident coverage carries a 14‑day waiting period before claims are eligible.
Illness coverage for Complete Coverage plans also uses a 14‑day waiting period.
Specific conditions or longer waits for certain categories may apply.
Refer to your policy declarations for any condition‑specific waiting periods.
What reimbursement rates and annual limits are offered by ASPCA?
Policyholders can choose between 70% or 90% reimbursement (coinsurance) options.
Annual limits are offered at $2,500 or $10,000 depending on the plan selected.
Deductible choices include $100 and $500, enabling plan customization.
Confirm your selected coinsurance, limit, and deductible on your policy declarations.
What common exclusions should pet owners expect under ASPCA policies?
Pre‑existing conditions are excluded, including ligament and knee conditions with prior signs or treatment.
Preventive care, elective or cosmetic procedures, many dental treatments, and supplements are not covered.
Experimental therapies, treatments related to disasters or intentional acts, and certain non‑medical costs are excluded.
Consult the policy exclusion list for a complete and specific breakdown.
How do I cancel my pet insurance policy with ASPCA?
Requests to cancel can be submitted to Customer Service by email, telephone, fax, or postal mail.
Written cancellation requests are accepted and should identify the policy to be canceled.
Required documentation to process the cancellation: N.C.
Notice period and refund/prorated premium conditions: N.C.
What are the waiting periods for accident and illness coverage with ASPCA?
Accident coverage carries a 14‑day waiting period before claims are eligible.
Illness coverage for Complete Coverage plans also uses a 14‑day waiting period.
Specific conditions or longer waits for certain categories may apply.
Refer to your policy declarations for any condition‑specific waiting periods.
What reimbursement rates and annual limits are offered by ASPCA?
Policyholders can choose between 70% or 90% reimbursement (coinsurance) options.
Annual limits are offered at $2,500 or $10,000 depending on the plan selected.
Deductible choices include $100 and $500, enabling plan customization.
Confirm your selected coinsurance, limit, and deductible on your policy declarations.
What common exclusions should pet owners expect under ASPCA policies?
Pre‑existing conditions are excluded, including ligament and knee conditions with prior signs or treatment.
Preventive care, elective or cosmetic procedures, many dental treatments, and supplements are not covered.
Experimental therapies, treatments related to disasters or intentional acts, and certain non‑medical costs are excluded.
Consult the policy exclusion list for a complete and specific breakdown.
On the same topic
