ASPCA Review

Our pets are furry extensions of our families, and we do our best to make sure that they have everything they need. Unfortunately, the costs associated with veterinary emergencies can really add up. For instance, a simple surgery to remove a foreign object can cost thousands of dollars. But ASPCA Pet Insurance gives pet owners like you extra peace of mind with affordable coverage.

It offers policy options that cover accidents and illness and preventative care, so there’s a plan for pets of all ages and breeds. It offers up to 90% reimbursement of covered vet bills. You know your pet better than anyone else, and ASPCA Pet Insurance makes it easy to customize your policy. In this review, we’ll look at the pros and cons as well as coverage and pricing details.

Pros and Cons of ASPCA Pet Insurance

Pros:

Cons:

What Does ASPCA Pet Insurance Offer?

One of the best things about ASPCA Pet Insurance is that it’s customizable and allows you to take control of the things you want to cover. With this purpose in mind, ASPCA offers three coverage options:

Complete Coverage

A base plan, called Complete Care, covers accidents and illnesses, as well as medication and chronic or hereditary conditions. It applies to a variety of health concerns and services:

Accident-Only Coverage

If you’re primarily worried about the expenses associated with a pet accident, then ASPCA Pet Insurance offers less expensive accident-only coverage. Although it doesn’t cover illnesses or routine visits, it’s a great way to make sure you can cover surprise vet bills. You never really know when your cat or dog will accidentally get themselves in trouble, but this is an option that can act as a safety net.

Preventative Care Add-On

ASPCA Pet Insurance’s Complete Coverage plan doesn’t cover routine care like vaccinations and flea medication, but the Preventative Care add-on extends your policy to cover your pet’s preventative needs. From wellness exams to dental cleanings, the add-on makes sure your pet has all it needs to stay healthy.

What To Expect on the Site

The ASPCA Pet Insurance website offers a handy quote widget on every page. Once you enter your pet’s name and your zip code, you’ll be taken to another page. There, you’ll need to know your pet’s age, breed, and gender. After that, ASPCA Pet Insurance will directly take you to the quote screen. At this point, you can customize the policy to your needs and budget.

There’s also an option to see how much it will cost to carry an accident-only policy. Annual limits for this option start at $3,000 and go as high as $10,000. But it’s up to you to decide the right amount you need and the deductible you can afford. ASPCA Pet Insurance puts you in control.

Additionally, the website invites you to “dig into pet insurance” with a comprehensive approach. Covering every topic from pet health to the ins and outs of pet health insurance coverage, knowledgeable experts have created extensive blogs that can answer most of your questions.

Pricing

Several factors go into determining the cost of ASPCA Pet Insurance policies and every situation will differ. Including your pet’s age and your geographic location, prices will vary from pet to pet. If you have more than one pet, ASPCA Pet Insurance offers a 10% discount on multi-pet policies. To give you an idea of the pricing you can expect, we’ve created two tables using a young dog and an older cat.

Approximate pricing for a two-year-old dog with various deductibles, annual limits, and reimbursement levels:

Policy
Deductible
Annual Limit
Reimbursement
Cost per Month
Complete Care
$100
$5,000
70%
$33.04
$250
$3,000
80%
$25.90
$500
$10,000
90%
$38.25
Accident-Only
$100
$3,000
70%
$17.95
$250
$5,000
80%
$19.50
$500
$10,000
90%
$24.49

Approximate pricing for a nine-year-old cat with various deductibles, annual limits, and reimbursement levels:

Policy
Deductible
Annual Limit
Reimbursement
Cost per Month
Complete Care
$100
$3,000
70%
$32.25
$250
$5,000
80%
$31.21
$500
$10,000
90%
$40.07
Accident-Only
$100
$3,000
70%
$12.65
$250
$5,000
80%
$12.24
$500
$10,000
90%
$15.71

What People Are Saying About ASPCA Pet Insurance

As of November 2021, ASPCA Pet Insurance carries an excellent Trustpilot rating. Out of 3,000 reviews, customers who left a rating gave the company 4.3 out of 5 stars:

The Bottom Line

ASPCA Pet Insurance offers affordable pet insurance options that allow you to choose your annual limits, deductibles, and the level of care you want. Offering a Complete Care policy that can be customized to suit both your wallet and your pet’s specific needs, its pet insurance can help you rest easier. No matter your pet’s age or breed, ASPCA Pet Insurance is worth including in your comparison of the best pet insurance companies.