ASPCA Pet Insurance Reviews

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ASPCA Pet Insurance Reviews

Here are some pros and cons from ValuePenguin to consider if you’re thinking about buying pet insurance from the ASPCA. We’ll then get into more details plan by plan since the ASPCA has different and additive coverage depending on the tiers.


  • Four customizable price points for varying budgets: you can change annual deductibles and reimbursement rates
  • ASPCA is one of the few pet insurance companies that will actually cover a cat or dog’s behavioral issues (Level 3, up to $150 per year)
  • Covers end-of-life expenses, from cremation to burial, that most plans usually don’t provide


  • Contrary to the their claim of one simple deductible, there’s a separate set of deductibles, incident limit, lifetime limit, and reimbursement rate for continuing care that ValuePenguin found when delving through the fine print. Continuing Care covers illnesses such as allergies, diabetes, or cancer that typically need care across multiple plan periods. This is only available to eligible for dogs younger than 9 years, and cats younger than 11 years. Across the four plans, you get reimbursed at 80% of the costs with a $100 deductible. Incident and lifetime limits vary by plan. Furthermore, at Levels 3 & 4, there’s another set of incident and lifetime limits for hereditary and congenital diseases.

Policy & Discounts

Through the ASPCA, you can purchase four different levels of veterinary coverage for your companion animal. Each pet insurance plan has different annual limits, deductibles, and co-pays / reimbursement rates that you can pick from for a more customized fit for your furry family.

Plan NameIncident Limit
ASPCA Level 1$2,500
ASPCA Level 2$3,00
ASPCA Level 3$5,000
ASPCA Level 4$7,000

Level 1 - Basic Accident Coverage

This is ValuePenguin’s pick for Best Budget-Conscious Plan among the pet insurance plans we reviewed. This plan will cover your pets’ unexpected accidents and on-going conditions. There’s a $2,500 incident limit for accidents such as broken bones, swallowed objects, car accidents, and poison ingestions. Treatments that will get reimbursed include diagnostic procedures, lab tests, x-rays / various imaging scans, surgeries, hospital stays, prescription medications, veterinary office exams, etc. Any pet over the age of 8 weeks is eligible to be enrolled, regardless of age or health. No illnesses, however, get covered.

Level 2

This pet insurance plan level gives you baseline coverage of accidents, ongoing, PLUS illnesses, but with a higher incident limit of $3,000.

Level 3

At this level, ASPCA covers more veterinary benefits, and enables you to add enhanced features, with higher benefit limits. Level 3 gives you more benefits on hereditary & congenital diseases, alternative therapies, and the behavioral treatments we mentioned above. You’ll also have the option of adding on wellness coverage for routine and preventive care.

  • Hereditary & Congenital Diseases: Per incident coverage of $500, and lifetime limit of $1,250. Benefits kick in six months after your plan’s effective date
  • Alternative Therapies: up to $150 per year - you can obtain reimbursement if these therapies are performed by a licensed veterinarian: acupuncture, chiropractic care, physical therapy, rehabilitative therapy, hydrotherapy, and low-level laser therapy
  • Behavioral Treatments: up to $150 a year, if conducted by a veterinarian or certified animal behavioral therapist. Excludes obedience classes.

Level 4

Level 4 is essentially the same as Level 3, with higher benefit limits

Discounts & Promotions

ASPCA offers discounts for multiple pets of up to 10% on the base plan premium, excluding Level 1.

More Info

The ASPCA has a strategic licensing arrangement with the Hartville Group to provide pet insurance for pet parents in the United States. Its veterinary insurance policies are underwritten by the the United States Fire Insurance Company and administered by Petsmarketing / Hartville Group, which was founded in 1997.

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Information and review current as of May 2013

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