ASPCA Pet Insurance Review- The Complete Guide

What is the ASPCA Pet Insurance

We all know that insurance is an important aspect of our lives. Many individuals don’t know that you can actually get pet insurance such as ASPCA Pet Insurance. This company has been in operation since 1997 and it helps individuals keep their veterinarian services affordable and helps their pets live longer. This company partners with Hartville Group and together they bring health care coverage that is affordable to individuals that own pets. There are many choices in the market when it comes to pet insurance so we took a comprehensive look ASPCA Pet Insurance to see if it is the right company for you.  Let’s have a look and see if this insurance is worth it for you and your pet.

Levels of Coverage

ASPCA Pet Insurance has four coverage levels that you need to be aware of. You should make note of any of the policy differences before you decide on one for you and your pet.

Level One Coverage

at level 1, this is considered to be a basic policy that protects against accidents. If you want basic pet insurance in your household, this is the option for you. You won’t have to spend a lot of money on your policy and it covers the following:

  • Veterinary exams
  • Any diagnostic procedure
  • Imaging and x-ray scans
  • Lab tests for your pet

This level one insurance will not cover an illness that your animal might have. This level of coverage will help individuals make their payments for veterinary services for their animals so they can recover from accidents. If you’re looking for coverage that is more for the wellness of your pet, you want to look elsewhere. If you simply want coverage that will cover the basic expenses for veterinary trips and associated procedures, this is the policy for you

Level 2 coverage

This coverage is the same as the level 1 coverage from ASPCA Pet Insurance but it pays for other veterinary services that treat illnesses and it covers accidental injuries. if you want more comprehensive coverage, this is the level you want to be at.

Level 3 Coverage

If you want to cover both congenital as well as hereditary diseases, behavioral treatments, and alternative therapies, this is the coverage for you. These veterinary services do have some limitations. Each year you will get reimbursed for up to $150. This would be for alternative therapies like Hydra therapy, acupuncture, and physical therapy. during the lifetime of your pet, There is a $1,250 lifetime limit for any veterinary services that are used to treat congenital diseases and hereditary diseases. You’ll get up to $150 for any behavioral treatments but this will not include classes for obedience. You also have to get your behavioral treatments from someone that is specialized and certified in animal behavior or you won’t qualify for the reimbursement.

Level Four Coverage

At this level, it will cover the same things that level 3 does but you get the spending limit is raised so you can cover more things that might go wrong with your animal.


ASPCA Pet Insurance doesn’t have an annual limit for the payouts. If your animal has serious health conditions then it is pet insurance might be ideal for you. There is a maximum benefit that you get per incident. The maximum payment you’ll receive will depend upon the policy that you choose here is the maximum payout you get for incident Witcher indicated below:

Level One – $2,500

Level Two –  $3,000

Level Three – $5,000

Level Four – $7,000

If you are concerned about paying too much for an individual treatment at the vet then you should get a higher policy it gives you a better payout per incident. The thing to keep in mind is that the higher policy payout will come at a higher price. If you don’t mind paying more for your policy then you should get coverage at level 4 as this gives you the most per incident.

Your Deductible

The deductible you will receive will all depend on the type of policy that you have purchased. Common deductibles include $100, $250, and $500.

Age Limits

The type of animal that you own will determine the age limit. 4 dogs your age limit will be 13 years and for cats, it is 15 years. As long as you have an insurance policy for one year prior to your pet reaching the age limit you should be able to get coverage for the rest of the animal’s life.

Customer Reviews

Before you get your policy it’s important to understand how people feel about ASPCA per Insurance. here are some customer reviews and complaints that you should be aware of.

“I have wasted $40 this month for one of this company’s policies for my cat. after I submitted a claim it was denied end the problem that my pet had was deemed to be a pre-existing condition. I could have saved money and just spent this on my animal instead of getting an ASPCA plan.

This company seems to have plenty of disclaimers and they will do whatever it takes them to get out of covering your pet. My cat had to go see a cardiology specialist because of the shape of my animal’s heart on the X-ray. She was sent to see the specialist so that a heart condition could be ruled out. I don’t see how this could be considered to be a pre-existing condition. This company seems to do anything to avoid paying you.”

“I am not in a very happy with their customer service. It was extremely difficult for me to contact the customer service and get an answer to my problem. Their password system also seems to have issues with it. I tried to reset my password but it still will not allow me to log in. Whenever I do call the customer service, this is always busy. It seems that this company really doesn’t care a lot about their customers. I don’t think I will be working with his company in the future.”

Other Information

Like other health insurance companies for both animals and pets, ASPCA Pet Insurance will have waiting periods that the animal has to meet before they’re going to get coverage. The policy has to be 30 days old or more before you can take advantage of any illness coverage. In terms of accidents, there is no waiting period for this. If your animal happens to get injured, you can use the policy to cover the veterinary costs even if you have just purchased your insurance policy

Since there is a 30-day waiting period for any illness coverage, you should get your insurance as soon as you can. By purchasing your insurance now you’ll be able to cover your pet when it gets sick. There are policies that will cover both congenital as well as hereditary problems. These policies will cost more than knows that exclude this type of coverage.

 the reimbursement that you get will cover around 70% to 90% of the covered costs. You should choose a policy that’s going to cover the level of a reimbursement that you were going to expect. when you choose a higher reimbursement there will be higher monthly costs but this will help you save money is to pet happens to get sick. This can really help you when your animal develops an illness over the long-term that is going to require constant treatment.


It seems that ASPCA has some problems and there are probably better options in the market that you should choose from. Having looked at numerous reviews end complaints on websites such as Yelp, there is an indication that this is not a very good service. There seems to be a high level of customer complaints when it comes to this company.

One of the most common complaints is that they have bad customer service which is a no-no for any company trying to do business. if you have a poor service but are working on it through better customer service and trying to improve your company, you can generally get away with this. If you have poor customer service as well as a poor product, You’re simply not going to go anywhere. This company needs to improve its customer service if it wants to get more customers and stay in business. While we did find some positive customer reviews for this company, we found more negative reviews then there were positive ones.

 At this time, we cannot recommend this company for your pet insurance you are probably better served going to another company besides ASPCA pet insurance. This company simply has poor customer service and you need high-quality customer service especially if you want to sell any sort of insurance because people will always have questions and concerns about their insurance policy. People today want to cover their pets just as much as they want to cover themselves so they want to company that they can rely on. At this time, this company is not worth your effort.

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