ASPCA Pet Insurance | Our Complete Review 2025
Our expert's opinion on ASPCA
ASPCA pet insurance, underwritten by United States Fire Insurance Company, offers an Accident & Illness policy with highly flexible plan options—customizable annual limits, reimbursement rates, and deductibles—serving pet owners nationwide with valuable access to treatment for accidents, illnesses, cancer, behavioral issues, alternative therapies, and prescribed diets. ASPCA’s approach gives it a mid-market rating compared to competitors: it offers inclusivity by providing broad core coverage, reasonable annual caps, wellness add-ons, and direct payment options, though its pricing tends to be closer to average, neither the cheapest nor the most expensive. This insurer is well-suited for owners seeking comprehensive, adaptable coverage for both young and senior cats and dogs, especially those concerned with major illnesses or breed-specific risks, but open to moderate premium increases and underwriting reviews for pre-existing conditions. Operating since 1997, ASPCA Pet Health Insurance covers 600,000+ pets, having processed 2.2 million claims, and is financially robust with reliable claim fulfillment; its Trustpilot score is 3.8/5 from 6,229 reviews, claims handling is efficient with some reimbursements in as little as 2 days, and most claims resolve within 7–10 business days, though experiences do vary.
- ✅Customizable reimbursement rates and annual limits
- ✅Accident, illness, cancer, and behavioral coverage included
- ✅Wellness add-ons available for routine/preventive care
- ✅Coverage for older pets and breed-specific conditions
- ✅Direct veterinary payment option in some cases
- ✅Fast claim turnaround; payouts possible within 2 days
- ✅Strong brand legacy and financial backing
- ❌Strict pre-existing condition exclusions
- ❌Complex claim documentation and process for some users
- ❌Rate increases reported by long-term policyholders
- ❌Mixed customer service experiences
- ❌Preventive care limits strictly enforced
Score- ✅Customizable reimbursement rates and annual limits
- ✅Accident, illness, cancer, and behavioral coverage included
- ✅Wellness add-ons available for routine/preventive care
- ✅Coverage for older pets and breed-specific conditions
- ✅Direct veterinary payment option in some cases
- ✅Fast claim turnaround; payouts possible within 2 days
- ✅Strong brand legacy and financial backing
Our expert's opinion on ASPCA
- ✅Customizable reimbursement rates and annual limits
- ✅Accident, illness, cancer, and behavioral coverage included
- ✅Wellness add-ons available for routine/preventive care
- ✅Coverage for older pets and breed-specific conditions
- ✅Direct veterinary payment option in some cases
- ✅Fast claim turnaround; payouts possible within 2 days
- ✅Strong brand legacy and financial backing
- ❌Strict pre-existing condition exclusions
- ❌Complex claim documentation and process for some users
- ❌Rate increases reported by long-term policyholders
- ❌Mixed customer service experiences
- ❌Preventive care limits strictly enforced
Score- ✅Customizable reimbursement rates and annual limits
- ✅Accident, illness, cancer, and behavioral coverage included
- ✅Wellness add-ons available for routine/preventive care
- ✅Coverage for older pets and breed-specific conditions
- ✅Direct veterinary payment option in some cases
- ✅Fast claim turnaround; payouts possible within 2 days
- ✅Strong brand legacy and financial backing
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of policies on the market every year, so we can provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of people across the United States trust us each month to guide them through their most important financial decisions.
ASPCA Guarantees
ASPCA Pet Insurance offers a single, highly flexible plan structure where accident and illness coverage is standard for both dogs and cats, with individualized choices for reimbursement rate, annual limit, and deductible at enrollment.
The plan is inclusive—covering accidents, illnesses, surgeries, hospitalization, prescription medications, diagnostics, some dental extractions, alternative therapies, implanted microchipping, cancer treatments, and behavioral care as referred by a vet, but excludes wellness and preventive services unless a separate rider is added.
Standout features include behavioral coverage, coverage of prescribed alternative treatments, and broad territorial validity (US, territories, Canada), but the lack of clear plan tiers can make it less straightforward compared to competitors advertising distinct levels.
Major weaknesses are standard exclusions of pre-existing and most preventive conditions, cosmetic and elective dentistry, inherited ligament/knee conditions if pre-existing, and a strict 14-day waiting period for all claims (including accidents), which is longer than some US rivals.
Overall, ASPCA’s strengths lie in customizable protection and breadth of covered events, but applicants must pay close attention to exclusions, waiting rules, and the reimbursement structure defined at subscription.
ASPCA Accident & Illness Policy | |
|---|---|
Coverage Type | Accident & Illness |
Covered Pets | Dogs & Cats |
Reimbursement Rate | N/A |
Annual Coverage Limit | N/A |
Annual Deductible | N/A |
Enrollment Age (Dog) | N/A |
Enrollment Age (Cat) | N.C. |
Health Questionnaire | N.C. |
Claim Reimbursement Time | N.C. |
Emergency Visits | Covered |
Regular Vet Visits | Covered |
Specialist Consultations | Covered |
Medication | Covered |
Hospitalization | Covered |
Ambulance Services | N.C. |
Surgery | Covered |
Imaging | Covered |
Lab Tests | Covered |
Radiotherapy | Covered |
Dental Care | Covered |
Teeth Cleaning | Not Covered |
Vaccinations | Not Covered |
Anti-Parasitics | Not Covered |
Neutering (Dog) | Not Covered |
Neutering (Cat) | Not Covered |
Identification | Covered |
Lifetime Coverage | N.C. |
Waiting Period (Accident) | 14 days |
Waiting Period (Illness) | 14 days |
Hygiene | Not Covered |
Alternative Therapies | Covered |
Foreign Care | Covered |
Death | Covered |
Cremation | Covered |
Euthanasia | Covered |
Loss/Theft | Not Covered |
Boarding Fees | Not Covered |
Important Policy Information
Curable pre-existing conditions can become eligible after 180 days free of symptoms (except knee/ligament injuries).
Claims must be filed within 270 days of treatment for reimbursement consideration.
Optional preventive care/wellness add-on reimburses for checkups, vaccines, and routine dental cleanings; not standard in core plan.
Microchip implantation covered but not the registration or renewal of it.
All customizations (limits, reimbursement, deductible) set at policy start and may impact premium.
Compare ASPCA’s reimbursement rates, annual caps, and optional preventive care to find the most cost-effective plan for your pet.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!ASPCA Exclusions
ASPCA Pet Insurance applies standard industry exclusions, most notably for pre-existing conditions—including those identified during the waiting period—and for preventive care and elective or cosmetic procedures.
The policy distinctly excludes aesthetic and advanced dental work (such as crowns, endodontics, and orthodontics), as well as care or complications related to breeding, pregnancy, or giving birth, which are not universally excluded by all US competitors.
In addition, treatments for behavioral issues are restricted unless referred by a veterinarian, and experimental therapies or those not widely accepted in clinical practice are not covered.
Notably, coverage for ligament and knee conditions is permanently excluded if a history is revealed before or during the waiting period, and there is no reimbursement for routine boarding, grooming, or non-medical dietary supplements.
Policyholders should also be aware that non-US treatment and care performed by the pet’s owner or family members are never covered.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions (including those identified during waiting period) • Aesthetic/endodontic/orthodontic dental care • Elective/cosmetic surgeries (declawing, cropping, prosthetics) • Preventive care without covered illness • Breeding, pregnancy, birthing, and nursing • Routine boarding or daycare • Grooming and non-prescribed supplies • Experimental or non-standard medical procedures • Vitamins/supplements for maintenance/prevention • Behavioral care not referred by a veterinarian • Diet/foods except when prescribed for covered illness • Anal gland treatment (unless infected) • Training and behavioral devices |
| Geographic exclusions | • Care provided outside the US, US territories, or Canada |
| Identification exclusions | • Treatment/services performed by the pet’s owner, co-owner, or family members |
| Legal or administrative | • Claims resulting from intentional harm, neglect, abuse, fraud, or non-compliance • Multiple insurance contracts for same pet |
| Catastrophic/event exclusions | • Illness/accident due to government order, natural disaster, nuclear or biological event, war/terrorism, or avian flu |
• Aesthetic/endodontic/orthodontic dental care
• Elective/cosmetic surgeries (declawing, cropping, prosthetics)
• Preventive care without covered illness
• Breeding, pregnancy, birthing, and nursing
• Routine boarding or daycare
• Grooming and non-prescribed supplies
• Experimental or non-standard medical procedures
• Vitamins/supplements for maintenance/prevention
• Behavioral care not referred by a veterinarian
• Diet/foods except when prescribed for covered illness
• Anal gland treatment (unless infected)
• Training and behavioral devices
• Multiple insurance contracts for same pet
ASPCA Prices
ASPCA Pet Health Insurance is positioned as a mid-range provider, balancing reasonably comprehensive coverage—including accident, illness, cancer, and behavioral care—with premiums that are generally competitive but not among the lowest in the segment.
Compared to less expensive providers, ASPCA offers broader benefits and covers more treatment categories, but imposes standard deductibles and annual limits, with some high-cost exclusions and typical restrictions around pre-existing conditions.
It is not the most affordable but typically provides better-than-basic protection, especially for those needing coverage for larger veterinary expenses or chronic illness.
The company does not rely on a fully digital pure player model, and its claim submission process, while accessible, may not match the automation or instant reimbursement of some competitors, which is reflected in both pricing and user experience.
Overall, ASPCA’s plans offer solid value and peace of mind for pet owners seeking balanced coverage at a moderate monthly price point.
Compare ASPCA plans and find the best rate for your needs with a personalized quote.
| ASPCA Complete Plan | ASPCA Accident-Only Plan | |
|---|---|---|
| Young cat (2–4 years) | $22/month | $11/month |
| Senior cat (7–8 years) | $33/month | $18/month |
| Small breed dog (2–4 years) | $35/month | $15/month |
| Senior dog (7–8 years) | $58/month | $23/month |
| Large breed dog (2–4 years) | $49/month | $23/month |
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.
What is the ASPCA reimbursement policy?
With ASPCA’s highest-tier plan, your reimbursement is calculated by first subtracting the annual deductible from your total vet bill, then applying the plan’s generous reimbursement rate (often 90%), allowing you to dramatically reduce your out-of-pocket costs during expensive veterinary visits.
Emergency surgery after an accident
Total vet costs: $2,500 (ER surgery, diagnostics, post-op care)
Deductible amount to subtract: $100 (annual deductible, first claim of the policy year)
Amount reimbursable after deductible at 90%: $2,500 – $100 = $2,400
90% reimbursement: $2,400 × 90% = $2,160
👉 You receive a reimbursement of $2,160 from ASPCA; your remaining out-of-pocket expense is $340.
ℹ️ Only the first claim of the year is reduced by the deductible. The annual limit still applies.
Treatment for chronic illness (diabetes)
Total vet costs: $600 (diagnostics, insulin, follow-up visits)
Deductible already paid in a previous claim this year
90% reimbursement: $600 × 90% = $540
👉 You receive $540 in reimbursement; your out-of-pocket expense is only $60.
ℹ️ As the deductible is met, all eligible vet bills for the rest of the year receive the full reimbursement rate until the annual cap.
Annual wellness exam with preventive care add-on
Total vet costs: $200 (wellness exam, core vaccines, parasite screening)
Preventive care reimbursed up to annual benefit cap (e.g., $250/year)
👉 You receive a $200 reimbursement (if within annual preventive cap); your out-of-pocket for these services is $0.
ℹ️ Preventive care is only reimbursed if the optional Wellness add-on is selected. No deductible or coinsurance applies to preventive care benefits.
ASPCA Assistance
| Assistance ASPCA | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service; all vet bills must be paid upfront by owner before reimbursement. |
| Payment facilities | ❌ | No specific installment payment or deferred payment facilities are offered for premium or vet bills. |
| Mobile app | ✅ | ASPCA Pet Health Insurance app available; average user reviews; submit and track claims, manage policies. |
| Paperless claims process | ✅ | Claims submission and status tracking online or via app; digital documentation; recommended for faster payout. |
| Emergency vet service | ❌ | No 24/7 emergency vet hotline or telehealth included with policies. |
| Vet/clinic partner network | ❌ | No partner vet network; policyholders can visit any licensed vet in the U.S., but all billing is out-of-pocket. |
| Coverage abroad | ✅ | Insured in U.S., its territories, and Canada; emergency and non-routine care only when traveling in Canada. |
Customer Reviews of the ASPCA
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.8 out of 5 (“Great”), 6,229 reviews |
| N.C. | N.C. |
| N.C. | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to ASPCA for their pets often mention:
- An efficient and friendly customer service, with agents frequently praised for their caring attitude and responsive follow-up.
- Fast and straightforward reimbursement process reported by many, especially for simple or first-time claims.
- Good coverage of substantial veterinary expenses, offering pet owners financial relief during costly treatments.
- A sense of peace of mind and long-term satisfaction after subscribing, with some clients expressing trust in the consistency of reimbursements.
On the negative side:
- A high number of claim denials related to "pre-existing conditions," sometimes even when the pet had no documented prior illness.
- An opaque claims process, with some users citing confusion over required documentation and missing or unacknowledged submissions.
- Payment delays exceeding the promised turnaround time, causing frustration for policyholders awaiting reimbursement.
- Rate increases after renewal and limited coverage for certain preventive care or complex conditions lead to disappointment.
- Challenges with customer service in some cases, including unhelpful representatives or lack of follow-up on escalated issues.
How to Contact the 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 | File a claim via the ASPCA Pet Health Insurance app, online portal, or by email at cservice@aspcapetinsurance.com. Required: completed claim form, itemized invoice, and records. Claims can also be mailed to 1208 Massillon Rd. Suite G 200, Akron, OH, 44306. Payments issued by direct deposit or check. Average processing time: 7–10 business days after receipt of claim and documentation. |
| To obtain a certificate of insurance | Request by email at cservice@aspcapetinsurance.com or call 1-866-204-6764. Have your policy number and personal details ready. Certificates can be sent by email or mail upon request. |
| To contact assistance | For any assistance, contact the customer service team by calling 1-866-204-6764 or emailing cservice@aspcapetinsurance.com. Assistance is available during business hours Monday to Friday. |
| To cancel my policy | Call 1-866-204-6764 or email cservice@aspcapetinsurance.com with your policy details. Written notice may be required. Provide your policy number, full name, and the effective date for cancellation. Cancellations can also be mailed to 1208 Massillon Rd. Suite G 200, Akron, OH, 44306. Pro-rata refunds are provided for unused premium; allow several business days for processing. |
Required: completed claim form, itemized invoice, and records.
Claims can also be mailed to 1208 Massillon Rd. Suite G 200, Akron, OH, 44306.
Payments issued by direct deposit or check.
Average processing time: 7–10 business days after receipt of claim and documentation.
Have your policy number and personal details ready.
Certificates can be sent by email or mail upon request.
Assistance is available during business hours Monday to Friday.
Written notice may be required.
Provide your policy number, full name, and the effective date for cancellation.
Cancellations can also be mailed to 1208 Massillon Rd. Suite G 200, Akron, OH, 44306.
Pro-rata refunds are provided for unused premium; allow several business days for processing.
FAQ
Dois-je payer les frais vétérinaires à l'avance avec ASPCA ?
Oui, vous devez payer votre vétérinaire en totalité au moment du service ; ASPCA Pet Health Insurance n'offre pas de système de paiement anticipé ou de facturation directe. Après avoir payé, vous pouvez soumettre une réclamation pour remboursement via leur application, leur site web ou par courrier. Le remboursement est soumis à la franchise, à la quote-part et aux limites de couverture de la police. Les réclamations doivent inclure une facture détaillée et les dossiers médicaux pertinents, et les paiements vous sont versés par dépôt direct ou par chèque.
Comment puis-je annuler ma police d'assurance pour animaux de compagnie auprès d'ASPCA ?
Pour annuler votre police ASPCA, contactez leur service clientèle par téléphone ou par e-mail avec les détails de votre police et la date d'annulation souhaitée. Vous devrez peut-être fournir un avis écrit et votre numéro de police ; ASPCA recommande de prévoir plusieurs jours ouvrables pour le traitement. Si l'annulation a lieu dans les 30 jours suivant l'inscription sans qu'aucune réclamation n'ait été déposée, vous pouvez recevoir un remboursement complet. Des remboursements au prorata sont fournis pour les primes non utilisées si l'annulation intervient ultérieurement.
L'assurance pour animaux de compagnie ASPCA couvre-t-elle les conditions préexistantes ?
Non, les conditions préexistantes sont exclues de la couverture ASPCA. Cela signifie que toute maladie, blessure ou symptôme présent avant la date d'entrée en vigueur de votre police ou pendant les périodes d'attente ne sera pas remboursé. Cependant, certaines conditions curables peuvent être couvertes à l'avenir si votre animal reste asymptomatique et non traité pendant une période définie. Consultez toujours la police pour obtenir des détails spécifiques sur les conditions curables.
Quel est le processus de réclamation et combien de temps prend le remboursement ?
Vous pouvez déposer une réclamation en ligne, via l'application ASPCA, par e-mail ou par courrier. Les documents requis comprennent une facture détaillée de votre vétérinaire et tous les dossiers médicaux demandés. La plupart des remboursements sont traités dans un délai de 7 à 10 jours ouvrables une fois que tous les documents requis ont été reçus. Le paiement est effectué par dépôt direct ou par chèque, selon votre préférence.
Mon animal est-il couvert si nous voyageons en dehors des États-Unis ?
Oui, l'assurance pour animaux de compagnie ASPCA couvre votre animal lorsque vous voyagez aux États-Unis, dans ses territoires et au Canada. La couverture à l'étranger est limitée à ces destinations et uniquement pour une période spécifiée (généralement jusqu'à trois mois). Vous devez toujours faire appel à un vétérinaire agréé, et toutes les autres conditions, exclusions et périodes d'attente de la police s'appliquent. Les traitements reçus en dehors de ces zones ne sont pas admissibles au remboursement.
Dois-je payer les frais vétérinaires à l'avance avec ASPCA ?
Oui, vous devez payer votre vétérinaire en totalité au moment du service ; ASPCA Pet Health Insurance n'offre pas de système de paiement anticipé ou de facturation directe. Après avoir payé, vous pouvez soumettre une réclamation pour remboursement via leur application, leur site web ou par courrier. Le remboursement est soumis à la franchise, à la quote-part et aux limites de couverture de la police. Les réclamations doivent inclure une facture détaillée et les dossiers médicaux pertinents, et les paiements vous sont versés par dépôt direct ou par chèque.
Comment puis-je annuler ma police d'assurance pour animaux de compagnie auprès d'ASPCA ?
Pour annuler votre police ASPCA, contactez leur service clientèle par téléphone ou par e-mail avec les détails de votre police et la date d'annulation souhaitée. Vous devrez peut-être fournir un avis écrit et votre numéro de police ; ASPCA recommande de prévoir plusieurs jours ouvrables pour le traitement. Si l'annulation a lieu dans les 30 jours suivant l'inscription sans qu'aucune réclamation n'ait été déposée, vous pouvez recevoir un remboursement complet. Des remboursements au prorata sont fournis pour les primes non utilisées si l'annulation intervient ultérieurement.
L'assurance pour animaux de compagnie ASPCA couvre-t-elle les conditions préexistantes ?
Non, les conditions préexistantes sont exclues de la couverture ASPCA. Cela signifie que toute maladie, blessure ou symptôme présent avant la date d'entrée en vigueur de votre police ou pendant les périodes d'attente ne sera pas remboursé. Cependant, certaines conditions curables peuvent être couvertes à l'avenir si votre animal reste asymptomatique et non traité pendant une période définie. Consultez toujours la police pour obtenir des détails spécifiques sur les conditions curables.
Quel est le processus de réclamation et combien de temps prend le remboursement ?
Vous pouvez déposer une réclamation en ligne, via l'application ASPCA, par e-mail ou par courrier. Les documents requis comprennent une facture détaillée de votre vétérinaire et tous les dossiers médicaux demandés. La plupart des remboursements sont traités dans un délai de 7 à 10 jours ouvrables une fois que tous les documents requis ont été reçus. Le paiement est effectué par dépôt direct ou par chèque, selon votre préférence.
Mon animal est-il couvert si nous voyageons en dehors des États-Unis ?
Oui, l'assurance pour animaux de compagnie ASPCA couvre votre animal lorsque vous voyagez aux États-Unis, dans ses territoires et au Canada. La couverture à l'étranger est limitée à ces destinations et uniquement pour une période spécifiée (généralement jusqu'à trois mois). Vous devez toujours faire appel à un vétérinaire agréé, et toutes les autres conditions, exclusions et périodes d'attente de la police s'appliquent. Les traitements reçus en dehors de ces zones ne sont pas admissibles au remboursement.
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