Is ASPCA Pet Insurance Legit or Scam?

The fact that the ASPCA’s agreement to name this product Hartiled speaks volumes about its confidence in the pet insurance company. Additionally, as its underwriter in the United States Fire Insurance Company, it has an A rating from AM Best due to its ability to meet its financial obligations.

Additionally, C&F has an A+ (superior) rating with the Better Business Bureau (BBB). After its partnership agreements with Hartville Pet Insurance Group in 2006, the ASPCA has insured over 40,000 cats and dogs and processed 1.6 million claims. 

With all of these facts, height, and influence that ASPCA Pet Insurance has been able to draw over the years, it is obvious that the ASPCA is not a scam. Therefore, ASPCA is a legitimate pet insurance company. Therefore, if you want to purchase a policy for your pets, feel free to do so, but be sure to do your research on its competitors to make sure its policies are the best for you…

How Much Does ASPCA Pet Insurance Cost? 

The cost of each policy is unique to your pet and depends on factors such as breed, age, location, the health status of your pets, and many more. ASPCA Pet Insurance offers customizable accident and illness and accident coverage options just for dogs and cats. with the following cover:

Deductible : $100, $250 and $500

Annual coverage limit: $3,000, $5,000, $7,000, $10,000, $15,000 and $5,000 

Refund: 70%, 80% and 90%

To give you a general idea, we use the ASPCA online quote generator to create the following policies: Accident and sickness insurance for a one-year-old domestic longhair cat with coverage of $10,000, deductible of $80, and a refund of 19.71%. at $9.95 per month. Basic preventative care for coverage added $250 per month for $29.66 of coverage for a total of $29.66 per month.

Accident and illness for a three-year-old, mixed-breed female dog, medium size (25-50 Ibs), with $10,000 coverage, $80 deductible, and 37.15% reimbursement amounted to $9.95 per month. Basic Preventative Care coverage added $250 per month for $47.10 of coverage for a total of $47.10 per month.
ASPCA pet insurance for cats and dogs offers a full-coverage plan that includes accident and sickness and an accident-only plan. The comprehensive coverage plan covers both accident-only plans and other common illnesses that may arise. The accident-only plan is entirely for injuries that have been sustained as a result of an accident. There are also two schemes for horses are the Colic and Accident scheme which covers abdominal conditions and accident-related issues. The premium plan is Colic, Accidents, and Sickness and it adds treatment for diseases such as cancer and hereditary diseases. You can customize the plan to choose an annual deductible, annual limit, and coverage percentage, which means the percentage of eligible claims is paid by the insurer, you can also add preventative care plan options to existing plans. These cover things like heartworm, wellness visits, tick and flea medication, etc. On the other hand, the ASPCA still offers two optional wellness care plans that ensure you are reimbursed for preventive and routine pet care. 

You can choose between the Premium Preventive Care Plan for $24.05 per month with an annual limit of $450 and the Basic Preventive Care Plan for $9.95 per month with an annual limit of $250. ASPCA pet insurance plans do not cover pre-existing conditions unless they have been cured without symptoms for at least 180 days, but they do cover behavioral health and alternative treatments.

Now that you know the plans that can be purchased from ASPCA Pet Insurance Reviews so far, it is also important that you know the pros and cons of the company.

Pros and Cons of ASPCA Pet Insurance


  • Offer accident, sickness, and wellness coverage options as well as an accident-only plan 
  • 30 Day Money Back Guarantee
  • Animals are covered when traveling with you in the United States and Canada
  • Offer 10% discount for each additional animal
  • Offer policies for dogs, cats, and horses
  • Flexible billing option
  • Pre-existing coverage for illness after 180 symptom-free days


  • Low refund reported by customers
  • Limited font option 
  • Due to the COVID-19 claim, payment is now longer than normal   
  • Cannot add to plan until next 12-month cycle begins


If you’re looking for pet insurance companies for dogs and cats that offer accident, sickness, and wellness coverage options, the ASPCA might be right for you.

By Cary Grant

Cary Grant, the enigmatic wordsmith hailing from the UK, is a literary maestro known for unraveling the intricacies of life's myriad questions. With a flair for delving into countless niches, Grant captivates readers with his insightful perspectives on issues that resonate with millions. His prose, a symphony of wit and wisdom, transcends boundaries, offering a unique lens into the diverse tapestry of human curiosity. Whether exploring the complexities of culture, unraveling philosophical conundrums, or addressing the everyday mysteries that perplex us all, Cary Grant's literary prowess transforms the ordinary into extraordinary, making him a beacon of intellectual exploration.

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