Reviews of ASPCA Pet Insurance

ASPCA is one of the most popular new-age pet insurances that more and more pet owners are opting for.

Developed by the Hartville Group, ASPCA is available across the US and for pet owners traveling across the borders to Canada.

For over a decade now, the Hartville Group has been offering comprehensive insurance coverage for pets.

How Many Levels of Coverage?

ASPCA is one of their latest offers which bring to the plate new and extensive plans for pet care through 4 levels of coverage.


Do I have to Live in a certain State?

While most insurance plans begin their quotes with a query on the pet owner’s location, ASPCA is not limited to geographical boundaries and demographic differences.

Their plans and policies do not change from state to state much and have more universal features than their rival counterparts.


Is my Pet covered when we go on Vacation?

If you are traveling with your pet, one insurance company will never let you down. Unlike other pet insurance policies, you have to follow no preferred vet list or change over to.

You can go to any vet of your choice and have your claims processed. ASPCA supports all licensed veterinarians, pet hospitals, ERS, and clinics in the USA and Canada.


How Much is the Deductible?

With as low a deductible as $100, you can still enjoy getting 90% of claims reimbursed.


What Pet Insurance Plans do they Offer?

You can opt from the various types of coverage offered and even customize your plan depending upon the need and nature of your pet and your budget.

These plans could include accident, injury, and illness coverage, while some may also have wellness and dental cleanings included as well.

You can always opt for basic coverage and upgrade it later to include more high-end services like dental, which very few insurance companies offer.

Even for chronic diseases, you will get much better coverage and financial arrangements made for your pet through ASPCA, which means you can rest easy about your pet’s health from now on.

Treatment will never be a problem when it comes to your pet’s health and care.


What Treatments, Surgeries, etc. are Covered?

All policies under this brand cover diagnostics, examinations, lab tests, treatments, hospitalizations, and surgeries, as well as prescription medication.

Of course, like other policies here, too pre-existing is not covered, but you will have a better chance of upgrades with ASPCA.

For example, suppose chronic diseases are not hereditary or congenital.

In that case, you can be assured of getting the best medical care for your pet without worrying about finances in times of need and emergencies.

But suppose you are purchasing high-end plans like Level 3 and Level 4.

In that case, your pet can be covered for all kinds of chronic diseases, even those arising from hereditary and congenital disabilities.

You will also get continual coverage for chronic diseases in its Level 2, Level 3, and Level 4 plans.

ASPCA offers comprehensive cancer coverage for pets for those who have purchased their Level 2, 3, or 4 policies unless the condition is hereditary or genetic.

They will also get continual coverage for cancer treatment in these plans.

However, the deductibles, copays, and monetary payout limits may differ in each plan or per case if you have opted for a customized version.

For breed-specific medical conditions, the monetary payouts are limited but still encompass quite a few conditions compared to similar policies.

With a strong underwriter, ASPCA offers the most comprehensive and affordable solutions for pet care.


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If you can’t find a local insurance provider in your area don’t worry, most online insurance companies will cover you if you live within the United States. There are also quality Pet Insurance companies in Canada.

Most Pet Insurance Providers will cover you if you live in the following states: Alabama AL – Alaska AK – Arizona AZ – Arkansas AR – California CA – Colorado CO – Connecticut CT – Delaware DE – Florida FL – Georgia GA – Hawaii HI – Idaho ID – Illinois IL – Indiana IN – Iowa IA – Kansas KS – Kentucky KY – Louisiana LA – Maine ME – Maryland MD – Massachusetts MA – Michigan MI – Minnesota MN – Mississippi MS – Missouri MO – Montana MT – Nebraska NE – Nevada NV – New Hampshire NH – New Jersey NJ – New Mexico NM – New York NY – North Carolina NC – North Dakota ND – Ohio OH – Oklahoma OK – Oregon OR – Pennsylvania PA – Rhode Island RI – South Carolina SC – South Dakota SD – Tennessee TN – Texas TX – Utah UT – Vermont VT – Virginia VA – Washington WA – Washington, D.C. – West Virginia WV – Wisconsin WI – Wyoming WY – Hawaii HI.



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