ASPCA Pet Insurance Review


ASPCA Pet Insurance offers five different plans for cats and dogs. Each plan reimburses you for 80% after a $100 annual deductible. Plans start as low as 25ยข a day for basic accident coverage. You can choose any licensed vet in the US or Canada.

If you have more than one pet on the same plan, you’ll get a 10% discount. Plans exclude coverage for hereditary disorders, preexisting conditions, and inhumane treatments, like dewclaw removal and ear cropping, among others.

ASPCA Pet Insurance Review Rating: 8

Best Pet Insurance’s review process starts with calling each of the insurance providers over the telephone and then, we gather quotes for these three pet profiles:

  • A 2-year old male Yorkshire Terrier named Jax
  • A 6-year old male Cocker Spaniel named Max
  • An 8-year old female mixed breed cat named Fluffy

The pre-recorded message picked up quickly; and Carla took my call immediately once I indicated by pressing 1 that I was a prospective customer. She asked for my name and phone number, in case we got cut off, and also asked if I’d like to receive an email with the quotes after our call. Once I gave Carla my zip code, she told me I have a couple of options for plans; both allow me to see any licensed veterinarian in the US or Canada.


Level 2, Accident and Illness Coverage, which covers medications, ER visits, office visits, X Rays, diagnostic tests, lab work, hospital stays, and surgery. Coverage offers $1,500 per accident or illness maxing out at $8,000 for the year.

The monthly cost for each pet would be:

Max, the cocker spaniel, $21.01 (most expensive because this breed gets a lot of ear infections)

Jax, the Yorkshire terrier $17.44 (10% multi-pet discount applies)

Fluffy the cat $12.16 (discount also applies)

Level 3 Accident, Illness, and Wellness Coverage, which covers everything included in the Level 2 plan, plus an annual physical exam, distemper combo vaccine, rabies, fecal exam, and heartworm test. Coverage offers $3,500 per accident maxing out at $11,000 for the year.

The monthly cost for each pet would be:

Max, the cocker spaniel, would be $38.58

Jax the Yorkshire terrier, $32.03 (10% multi-pet discount applies)

Fluffy the cat, $24.27 (discount also applies)


Since the plans renew annually, conditions that occur beyond the first year are considered pre-existing when the plan renews. For example, if Fluffy goes to the ER in the second year and the vet determines she has diabetes, this will become a pre-existing condition on year 3, and at that point will not be covered. If I’d like better protection, I can add a continued care package to any plan $5-9 more monthly.

For Level 2 coverage, I’d receive up to $1000 for each problem maxing out at $2,500 for the pet’s lifetime; and for Level 3 coverage, $1,500 for a problem, maxing out at $3,500 over the pet’s lifetime. I can add this coverage for the dogs up until they are 8 and for the cat until she’s 11.

The yearly deductible is $100 per pet for the entire year. ASPCA will reimburse 80 percent of all allowable costs with a 2-3 week turnaround. If, however, I need the money sooner, I can call and have them rush that within 7-10 business days. I’ll have to pay a one-time annual billing fee of $10.50.


As we came to the end of the call, Carla told me she’d be happy to help me purchase the plans on the phone, or I could go online to complete the transaction. I found her to be clear, helpful, and pleasant. She answered all my questions and offered to assist me moving forward, as well.

Source by Julia Powers