ASPCA Pet Insurance Review & Prices

ASPCA Pet Insurance Review

Overall Rating 4.0 / 5

four star review
  • Сompetitive pricing
    • For dogs – starting at $43 per month
    • For cats – starting at  $16 per month
  • Tailored insurance options
    • Deductibles: Options ranging from $100 to $500
    • Reimbursement rates: Choices of 70%, 80%, or 90%
    • Annual coverage limits: From $3,000 to $10,000
  • Extensive insurance coverage
    • Accident + illness coverage including chronic and hereditary conditions
    • Behavioral issues and alternative therapies coverage
    • Optional wellness plan add-ons for routine care
    • No special waiting periods for cruciate ligament issues

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About ASPCA Pet Health Insurance 🌟

In partnership with Crum and Forster, ASPCA Pet Health Insurance provides comprehensive pet insurance plans, emphasizing accident and illness coverage. Renowned for its affiliation with the ASPCA® since 2006, the insurance aims to deliver reliable and affordable options for pet parents.

Key Highlights
ASPCA Pet Health Insurance offers various plans, particularly on accident and illness coverage. The plans are inclusive of various health conditions, including hereditary and chronic conditions, with an emphasis on overall pet wellness.

Why Choose ASPCA?
ASPCA Pet Health Insurance is unique in its approach to pet insurance, offering coverage that includes vet exam fees for illness and accidents and coverage for pet microchipping. The insurance provides the flexibility of customizable plans, allowing pet owners to choose deductibles, reimbursement rates, and coverage limits. A 10% multipet discount and optional wellness plans elevate its appeal.

A Partner in Pet Wellness
ASPCA Pet Health Insurance goes beyond insurance coverage; it’s a partner in your pet’s health journey. Offering a 24/7 pet telehealth line and the ability to visit any licensed vet in the US or Canada, the insurance ensures comprehensive support for pet parents. With a commitment to ease and accessibility, ASPCA Pet Health Insurance stands out as a trusted choice for pet insurance.

ASPCA Pet Health Insurance Plans and Coverage🛡️

Experience comprehensive and adaptable pet insurance plans with ASPCA Pet Health Insurance, designed to cater to the varied needs of your dogs and cats.

Accident and Illness Plans
ASPCA Pet Health Insurance’s Accident and Illness plans offer extensive coverage for various health conditions. These plans focus on essential care needs, including injuries, chronic illnesses, hereditary conditions, and more, ensuring your pet’s health is thoroughly protected.

Optional Wellness Add-Ons
In addition to standard coverage, ASPCA provides optional wellness add-ons. These plans are perfect for managing routine care costs such as vaccinations, dental cleanings, and annual check-ups, allowing you to proactively manage your pet’s wellness needs.

Customization and Flexibility
Tailor your pet insurance policy to suit your needs with customizable options. Choose from various deductible amounts, reimbursement rates, and annual coverage limits to create a plan that aligns with your budget and your pet’s health requirements.

Waiting Periods and Coverage Specifics
ASPCA Pet Health Insurance implements a 14-day waiting period for accidents and illnesses. This period ensures that coverage starts only after this initial timeframe. Pre-existing conditions are not covered, aligning with standard pet insurance practices.

ASPCA Pet Health Insurance Cost 💵

Insurance costs vary based on factors like your pet’s age, breed, and where you live, as well as the coverage choices you make. Below is a summary of the average monthly premiums for both dogs and cats:

Average Monthly Premiums:

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $43
Cat Accident & Illness $16

Additional Costs and Fees

  • Monthly Payment Processing Fee: $2
  • No One-Time Enrollment Fee

Customization Options
Tailor your plan to your specific needs with these options:

  • Annual Deductible: Choose from $100, $250, $500, or $1,000.
  • Reimbursement Rate: Opt for 70%, 80%, or 90% reimbursement.
  • Annual Coverage Limit: Select from $2,500, $5,000, $10,000, $15,000, or Unlimited.

Factors Influencing Cost
Factors that can impact your premium include:

  1. Breed and Age: Different breeds and older pets may have higher premium rates.
  2. Location: Costs can vary based on regional veterinary expenses.
  3. Coverage Level: Choosing higher coverage limits can influence premium costs.

Discounts and Savings
ASPCA Pet Health Insurance offers discounts to help reduce costs:

  • Multi-Pet Discount: Save with a 10% discount for insuring multiple pets.
  • Annual Payment Discount: Pay annually to save on monthly processing fees.

Frequently Asked Questions❓🙋

What types of pet insurance plans does ASPCA offer?

ASPCA provides comprehensive accident and illness coverage, as well as a preventive care add-on for routine health expenses.

Are pre-existing conditions covered by ASPCA Pet Health Insurance?

No, pre-existing conditions are not covered. However, if a condition is cured and symptom-free for 180 days, it may no longer be considered pre-existing.

Can I use any veterinarian with ASPCA Pet Health Insurance?

Yes, you can visit any licensed vet in the U.S. or Canada.

Does ASPCA Pet Health Insurance cover alternative therapies?

Yes, treatments for covered conditions like acupuncture, chiropractic care, and hydrotherapy are included.

What types of wellness and preventive care are included in the ASPCA's add-on plans?

ASPCA’s preventive care add-ons offer coverage for routine wellness exams, vaccinations, dental cleanings, heartworm and flea prevention, and more. These plans are designed to help manage the costs of regular health maintenance for your pet.

Can I customize my ASPCA Pet Health Insurance plan?

Yes, ASPCA allows customization of pet insurance plans. You can choose your deductible amount, reimbursement rate, and annual coverage limit based on your pet’s needs and your budget. This flexibility allows you to create a plan that best suits your situation.

What happens if my pet has an emergency outside of regular vet hours?

They cover visits to emergency clinics and specialists. This means if your pet needs urgent care outside regular veterinary hours, including weekends and holidays, you can visit any licensed emergency vet clinic, and your eligible expenses will be covered as per your plan’s terms.

How quickly does ASPCA Pet Health Insurance process claims?

typically processes claims within 30 days. However, for faster reimbursement, it’s recommended to file claims online or via their app. This can streamline the process, potentially leading to quicker reimbursements.

What is the cancellation policy for ASPCA ?

You can cancel your ASPCA Pet Health Insurance policy at any time. If you cancel within the first 30 days and haven’t filed any claims, you may be eligible for a full refund of your premium. Cancellations can be requested via phone, email, or through the ASPCA Pet Health Insurance website.

ASPCA Pet Health Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend ASPCA Pet Health Insurance. Read testimonials to explore their experiences with this trusted pet insurance, from Forbes, CBS News, Nerdwallet, and so on.


You probably know ASPCA from its work to prevent animal cruelty. It also offers a pet insurance plan via its insurance partner, Crum and Forster. Note that this is the same plan and pricing offered by Spot, but with different choices for annual limits and deductibles.

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CBS News

If you’re considering pet insurance, ASPCA is a reputable provider that offers a wide variety of coverage options, including policies for horses. The company offers illness and injury coverage and preventative care insurance.

CBS News
four star review


ASPCA earned 4 stars out of 5 for overall performance. If you are looking for a provider with plenty of coverage options, including an accident-only plan for pets of all ages, ASPCA is a good choice. It offers pet insurance plans for cats, dogs, and horses. 

four star review


ASPCA Pet Health Insurance is one of the oldest pet insurance companies available and the only provider that offers horse insurance. Through a strategic partnership with the American Society for the Prevention of Cruelty to Animals established in 2006.

reviews 4.5

Pawlicy Advisor

The American Society for the Prevention of Cruelty to Animals is a non-profit organization founded in 1866. It is one of the largest humane societies in the world. ASPCA is one of the best pet insurance companies in the industry with 100% reimbursement rates.

Pawlicy Advisor
four star review


ASPCA Pet Health Insurance is tied at No. 5 in our Best Pet Insurance Companies rating of 2023. The provider uses the name and logo of the longtime animal-rights nonprofit organization through a licensing agreement. ASPCA Pet Health Insurance was founded in 1997.

US News
three and half starts


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