ASPCA Pet Insurance Review & Ratings (2022)

ASPCA pet insurance is associated with the Animal Society for the Prevention of Cruelty to Animals. With an A+ rating from the Better Business Bureau, ASPCA provides excellent insurance options for people with cats, dogs, and horses. However, ASPCA tends to be more expensive than some competitors.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 16, 2021

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The Rundown

  • The ASPCA is partnered with the Animal Society for the Prevention of Cruelty to Animals and provides insurance through Crum & Forster
  • You can find standard coverage for dogs and cats, but the ASPCA also provides for horses
  • The ASPCA has Accident-Only and Complete Coverage plans, as well as a Wellness add-on
  • Pet insurance can help you take care of your pets through expensive surgeries, although the ASPCA doesn’t offer dental coverage in its standard plan

For most people, pets are a source of immense joy and comfort. From companionship for the elderly to a playmate for kids, a pet will always be there for you.

As their caretaker, you want to be there for them, too. Unfortunately, it can get expensive to take care of your pets as they grow older. From dental problems to surgeries, your pets will probably need medical attention at some point in their lives.

Not every pet owner realizes this, but you can purchase pet insurance to help cover those costs.

Pet insurance is a lot like health insurance for people — it helps cover the costs of major health problems and dental care. One of the most popular names out there is the ASPCA pet insurance company.

Like any other type of insurance, you should shop around before purchasing ASPCA pet insurance to find the best rates for you. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool to get started.

What is ASPCA pet insurance?

The ASPCA takes its name from the American Society for the Prevention of Cruelty to Animals. When you purchase a plan from the ASPCA, your insurance is actually created by United States Fire Insurance Company and managed by Crum & Forster.

However, don’t let that deter you. Crum & Forster is one of the oldest pet insurance companies in the United States and has an excellent reputation.

Like most pet insurance plans on the market, the ASPCA covers cats and dogs. They also offer coverage for horses, which can be difficult to find with other companies.

With ASPCA, you can choose either a complete coverage plan or an accident-only plan, which would help if your pet is ever injured unexpectedly. When you sign up for a plan, you’ll get to choose reimbursement percentages, deductibles, and annual limits.

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How does ASPCA pet insurance work?

Unlike health insurance for people, you don’t have a fixed co-pay with pet insurance. Instead, you’ll pay an agreed upon percentage of the veterinary bill. The bigger the percentage you agree to pay, the less your monthly bill will be.

Unfortunately, pet insurance doesn’t cover routine checkups. With the ASPCA, you can choose between accidental injury only or accidents and illness coverage.

Additionally, any preexisting conditions that your pet has won’t be covered by insurance. They’ll need to be cured and symptom-free for 180 days or longer to be eligible for future related care coverage.

Finally, you don’t have to switch veterinarians if you decide to purchase ASPCA insurance. The ASPCA accepts most veterinarians, but you will more than likely need to pay your bill up front. After the procedure is complete, you can contact the ASPCA for reimbursement.

What types of insurance can you buy from the ASPCA?

What does pet insurance cover when you buy from the ASPCA? There are two main types of insurance, plus additional add-ons you can purchase.

Accident-Only does what its name suggests: it covers injuries caused by accidents. This includes contact with vehicles, ingestion of objects, and animal bites or scratches.

Your other option with ASPCA is Complete Coverage. This insurance covers accidental injuries as well as illnesses. You can also bring your animal in for behavioral issues, such as excessive licking or unexplained changes.

Complete Coverage covers the following conditions:

  • Diagnostic services like MRIs, bloodwork, and ultrasounds
  • Behavioral issues such as pacing, fur pulling, destructive chewing, and urination problems
  • Microchipping
  • Illnesses, including digestive problems, urinary tract infections, hypothyroidism, and digestive problems
  • Eye disorders
  • Heart disease
  • Chronic illnesses like cancer or diabetes
  • Prescription medication
  • Rehabilitative therapy and chiropractic care

If you want to insure a horse, the ASPCA offers Colic +, which covers accidental injuries and abdominal issues. If you purchase the highest level of Colic +, your horse will be covered for cancer and select hereditary issues.

What add-ons can you buy from the ASPCA?

The affordable ASPCA pet insurance add-on you can purchase adds preventative care to your policy. The Wellness add-on is available in two levels for whatever specific needs you think your animal will have.

You can work with an agent to add the following preventative items to your policy:

  • Spay/neuter surgery
  • Dental treatments
  • Recommended veterinary checkups
  • Vaccinations
  • Medication for conditions like heartworms

Basic Preventative Care costs a flat rate of $9.95 a month, while the Prime Prevenatitve level costs $24.95.

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How much does ASPCA insurance cost?

Of course, the cost of your insurance will depend on several factors, such as the age of your animal, the breed, and the amount of coverage you want.

However, you can get an idea of what ASPCA insurance might cost by looking at average rates.

 Labrador, Accident-OnlyLabrador, Complete CoverageTerrier, Accident-OnlyTerrier, Complete CoverageAmerican Shorthair, Accident-OnlyAmerican Shorthair, Complete Coverage
1 year old$28.04$50.17$28.04$28.44$15.60$18.93
3 years old$28.04$53.75$28.04$30.47$15.60$18.93
6 years old$28.04$71.67$40.63$40.63$15.60$25.23
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As far as prices go, ASPCA isn’t the cheapest option; however, it isn’t the most expensive, either. Pets Best and Embrace Pet Insurance tend to have cheaper rates, but the best pet insurance for you depends on your needs.

ASPCA Pet Insurance Reviews

In general, pet insurance is recommended for anyone who loves their furry companion. Surgical procedures for animals can quickly become costly. If your pet gets sick or injured without insurance, you may face either a huge financial burden or a heartbreaking decision.

To determine how much surgery may cost you, consider the following average prices for common feline and canine procedures.

Most Common Procedures for DogsProcedure CostsMost Common Procedures for CatsProcedure Costs
Knee ligament injuries$3,000 to $10,000Upper Respiratory InfectionsUsually cheap, but could cost thousands if there are complications
Limping$50 to $4,500Heart Conditions$17 to $65 for prescription medication
Urinary Tract InfectionsAround $35 for antibioticsEar Infections$100 to $250
Cancer$10,000 or moreKidney Infections$3,000
Ear Infections$100 to $250Skin ConditionsUsually $100 to $500, but can stretch into the thousands
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As you can see, even one unexpected medical problem can cost thousands. Americans own 89.7 million dogs and 94.2 million cats, leading to millions of dollars in pet care.

For the most part, the ASPCA receives positive customer reviews. Despite being more expensive than some of its competitors, people appreciate that claims usually resolve quickly.

ASPCA is a trusted name in pet insurance, and through its association with the charity, it stands for a good cause. ASPCA offers some coverage that others don’t (like microchipping and exam fee coverage), while lacking other common benefits like dental work.

Customers also enjoy the ASPCA mobile app, which offers an easy ASPCA pet insurance login. From there, you can ask questions, adjust your coverage as needed, and make claims.

Finally, the ASPCA has an A+ rating with the Better Business Bureau, which is higher than several of its competitors.

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Pet insurance is an investment in the longevity of your beloved pet companion. For as much joy as they provide to your life, pet insurance can help you take care of them.

If you want to see ASPCA pet insurance quotes, you should still shop around to find the best rates possible. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool.

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