ASPCA Pet Insurance Reviews

While pet insurance may not be something that you consider an important thing to carry, anyone who has ever had a serious bought of illness or an accident with their pet will tell you that having pet insurance would have greatly relieved the burden of treatment.

ASPCA pet insurance reviews give varying opinions, and much like any other insurance plan, there are pros and cons.

In this article, I shall endeavor to give you an idea of what people say about ASPCA and learn more about its coverage:

Click on the links above to go directly to that section of the article.

Pet Insurance for Animals

ASPCA, also known as the American Society for the Prevention of Cruelty to Animals and is one of the larger providers of pet insurance.

While this company provides insurance, they are also advocates against animal cruelty among other things.

They are active in fighting against cruelty on many levels and even conduct investigations when abuse is suspected and strong advocates in the fight against dog fighting as an illegal blood sport.

They have volunteer programs and involved with pet adoptions and educate pet owners about animal welfare and have deservedly earned themselves a very healthy credible reputation as a worthwhile organization which is known by just about everyone.

They moved into selling insurance and their good name as a charitable foundation puts them in a position of trust with many who are familiar with the good name the organization has earned itself over the years with its animal advocacy.

That’s a little background about the ASPCA, so we move on to the real topic here of assessing their insurance policies by using reviews to see how others have found them to be as an insurance provider.

When shopping for an insurance plan, this site offers four levels of plans with varying degrees of protection. It is your choice to select the level that is suitable for your pet’s needs and, of course, your budget. It does not necessarily mean that the cheapest cover is the worst pet health care insurance; it’s simply about finding the one that fits with your need and your budget.

All of the plans are set up to reimburse 90% of the customary charges after a simple $100 deductible. They also offer a 10% discount if you enroll multiple pets. Another plus is ASPCA gives you a 30-day money-back guarantee if you do not make any claims within the period.

Understanding what is covered and not covered will make it much easier to select an appropriate plan to avoid frustration later.

Pet Insurance Sample Plans

ASPCA has a 4-level protection plan that you can choose from. Here below, I shall give you the details of a Level 1 package.

Level 1 is a cheap pet insurance package which ASPCA offers that is an Accident only cover, and has a per incident limit of $2,500. The insured will be covered for Accident expenses, including but not limited to:

  • Operating room, sedation and pre-anesthetic blood work, anesthesia, and anesthetic monitoring fees;
  • For humane reasons, expenses to end life such as euthanasia;
  • Extractions of broken teeth;
  • Nursing care and hospitalization;
  • Examinations such as consultations with specialists, first examinations, emergency visits, and for 2nd opinion;
  • Laboratory tests
  • Intravenous (IV) fluids and medications;
  • Medical supplies such as but not limited to casts, bandages, and splints;
  • Poison control consultation fees;
  • Medications prescribed by a Veterinarian and that have been approved by the Food and Drug Administration (FDA);
  • Surgical Treatment; and,
  • Radiology tests including X-rays, ultrasound, CAT scan, and magnetic resonance imaging (MRI)

What is NOT covered?

  • Pre-Existing conditions, which includes any disease, illness, injury or change to your pet’s health which first shows indications of or arises: before coverage is effective;during a Waiting Period; or before the current Policy Period. This likewise includes conditions that are secondary, related to, or resulting from a Pre-Existing Condition.
  • Diagnosis, treatment or surgery related to knee and ligament conditions that arise or show signs of within the first 12 months from the effectivity date of your pet’s coverage on a 12-month policy. Knee and ligament conditions include anterior cruciate ligament (acl), medial patella luxation (mpl) lateral collateral ligament (lcl), cranial cruciate ligament (ccl), medial collateral ligament (mcl), or meniscal damage.
  • Any sickness, any wellness care, or any Congenital, Hereditary, or Genetic Conditions including those that are secondary, related to, or arising from any Congenital, Hereditary, or Genetic Condition.

All other general exclusions may be read on ASPCA’s website.

Levels 2, 3 and 4 are the more comprehensive plans that ASPCA offers, and each one has different levels of protection from the other. Click here for detailed information.

Expensive Bills without Pet Insurance

Much like going to the dentist or doctor without insurance, many people choose to wait until the problem has become exacerbated because the cost for treatment is so inflated. How many times have you thought to yourself that your pet needed a checkup or vaccinations, or even treatment for something more serious? Wouldn’t it have been better to have the option for at least minimum coverage?

While premium plans may be overpriced and unnecessary, it may be prudent to get a minimal accidental plan. These usually fall in the price range of less than 20 dollars a month, and should your pet get into some kind of accident, it is good to have that peace of mind.

I wasn’t always a proponent of pet insurance until my little Cocker Spaniel, Sadie, had crawled under my deck one night. I couldn’t find her anywhere. Finally, I heard her crying. She was obviously very sick, and I just could not afford to take her to the vet. I felt so bad with the pain of my decision. She had been bitten by a spider, and I could not treat her.

Fortunately, she recovered. But it was a tenuous several days. I vowed that I would never have a pet again that I couldn’t get medical treatment for. The cost of treatment and medications would have been several hundred dollars, whereas I could have had preventive maintenance for a few dollars each month.

Some of the stories of pets that have benefited from the insurance will make you a believer. ASPCA pet insurance reviews give reports of assistance with animals from shelters with a sketchy medical past, pets struck with a debilitating illness, and assistance for accidents.

Of course, there’s always the other side of the story.


Some pet owners complain that the company denies claims because the vets charge too much for care. With the 80% company payment, they have denied payment. Much like insurance for people, the carrier determines the “allowable” amount to be paid for treatment.

The only problem with this plan is that veterinarians don’t write off the difference. If your vet, for example, charges $300 for a procedure, and the company deems it allows $180, you will only be reimbursed 80% of the allowable amount, which is $144. You are still out the $166.

For some, this is more like a discount program. You get reimbursed, but you have to be careful how much you are depending on. There is no book that gives a statement of allowable expenses.

While most reviews are positive, some users complain that getting a payment from the company is a hassle. For those who don’t keep good records, you may want to in case you ever have a claim.

The biggest recurring complaint in ASPCA pet insurance reviews is the issue of pre-existing conditions. Evidently, if your pet is being treated for a condition at the end of the policy and then the treatment carries over to the renewal period, the new period considers it a pre-existing condition. Several people have had complaints about treatments not being paid once the policy renewed.

One animal was treated the day before the policy renewed, and when follow up treatment was necessary because it was an unclear illness, no more payments were made. The company considers each renewal a completely NEW policy.

Therefore, if your claim is for a treatment on an overlapping policy period you are out of luck.

Going for ASPCA Pet Insurance

Whether or not you decide to insure your pet is a decision you must make based on several factors. How much treatment are you willing to put your pet through, how often will you use it, and what kind of risk factors do you deal with? Use these parameters to determine how much insurance you need, or if you would do better to self insure.

Even after my experience with my cocker spaniel, I’m not one hundred percent sold on owning pet insurance. I do believe that it can be an extremely useful thing to own, but be careful to read the fine print. I think my final decision would be to know I could afford the vet bills with a strong emergency fund. I would possibly own pet insurance and consider it a discount program.

In order to get the most value out of the insurance, make sure your vet is offering services at a reasonable rate. Prices can vary greatly. The range for spay/neuter and shots varies in my area from about $100 up to $300. That price difference makes it worth a little bit of a drive!

When owning a pet, there are always unexpected expenses. Just make sure you read the fine print before you agree to a policy. If considering ASPCA, there are an abundance of ASPCA pet insurance reviews available to reflect on.

At the end of the day, being a responsible pet owner, the most important thing that you can do for your pet is give it the best possible care as humanly possible by getting a good insurance coverage and uphold its rights to enjoy its remaining life as a well-treated animal.