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ASPCA Pet Health Insurance review

Updated December 09, 2024

In 2006, the American Society for the Prevention of Cruelty to Animals (ASPCA®) partnered with PTZ Insurance Agency Ltd. The partnership was designed to support the ASPCA's welfare mission by making veterinary care accessible to more pet owners across the United States.

ASPCA Pet Health Insurance plans give pets access to vet care and act as financial safety nets for pet owners when unexpected vet bills arise. This insurer offers comprehensive and customizable coverage and has made its way onto our list of the best pet insurance companies

ASPCA

ASPCA

Rating: 4.5 stars out of 5
4.5

Summary

Annual deductible options: $100, $200 or $500
Reimbursement percentage: 70, 80 or 90 percent
Claim turnaround time: Up to 30 days
Enrollment age: 8 weeks - no upper age limit
Direct vet pay: No

ASPCA Pet Health Insurance coverage options

ASPCA plans offer comprehensive and customizable coverage for pets with diverse medical needs and pet owners with varying budgets. 

The insurer (not to be confused with the ASPCA welfare organization) aims to make veterinary care more accessible to more American pet owners. This is one of the best and cheapest pet insurance companies, offering financial protection to pet owners, including horse owners.

Before signing up for a policy, get familiar with what pet insurance does and does not cover under ASPCA Pet Health Insurance policies. Reimbursement still depends on many factors. Read the fine print or contact the insurer's customer service to confirm details about your coverage. 

ASPCA pet insurance plans and customizations

With ASPCA Pet Health Insurance plans, you can customize your policy according to your budget and pet's needs. You can also decide on your deductible (from $100 to $500 per plan year) and reimbursement rate (up to 90 percent of eligible expenses). 

ASPCA Pet Health Insurance offers the following plans.

Accident-only plan 

This policy covers diagnostic services and treatments for unexpected injuries, such as:

  • Bite wounds
  • Broken bones
  • Cuts and lacerations
  • Fractured teeth
  • Swallowed objects
  • Toxic ingestions

Accident and illness plan: Complete Coverage

Complete Coverage is a comprehensive plan that covers accidents and illnesses of various kinds. It applies to complementary treatments (formerly known as "alternative therapies" and behavioral issues such as destructive chewing, excessive licking and tail chasing. The plan also covers chronic and congenital issues like diabetes, cancer, heart disease and hip dysplasia.

Of course, Complete Coverage also applies to minor and major illnesses. Unless it's a non-curable pre-existing condition, the policy covers everything from arthritis and ear infections to digestive problems and cancer.

Basic preventive care add-on

The basic add-on covers your pet for wellness and preventive care tests, annual exams, vaccines and medications. The treatments and tests can help prevent pets from getting sick and catch medical conditions early on.

Prime preventive care add-on

This preventive care upgrade covers all items listed in the Basic Preventive Care plan, as well as a more extensive list of preventive care tests, vaccines and medications. 

Save costs on a health certificate and diagnostic tests such as bloodwork and urinalysis. The plan also covers vaccines or titers to protect against parasites and contagious illnesses such as fleas, heartworms, Bordetella and FeLV.

Pros and Cons

Pros

  • Accident-only plans: Pet owners can choose an accident-only plan, a great option for those on a budget or older dogs that don't qualify for other policies.
  • Comprehensive coverage options: ASPCA Pet Health Insurance offers multiple coverage options, such as accidents, illnesses and preventive care.
  • Covers horses as well as cats and dogs: Many pet insurers limit coverage to cats and dogs. ASPCA is one of the few pet insurers offering coverage for horses. 
  • Discounts available: ASPCA Pet Health Insurance offers discounts for insuring multiple pets, employee groups and more.
  • No extended waiting periods: Unlike many other insurers who impose extended waiting periods, the waiting period for orthopedic and cruciate ligament injuries is just 14 days.

Cons

  • Long claim turnaround times: Claim processing can take up to 30 days, which is longer than many other insurers.
  • Long waiting period for accidents: The waiting period for accidents is 14 days from the policy's start date, which is longer than some competitors.

Additional features of ASPCA Pet Health Insurance

Apart from the wide range of coverage and customizable options, ASPCA Pet Health Insurance offers a few extra features to improve the experience for pet owners. 

Discounts and group benefits

A few programs save pet owners 10 percent of their base plan premium.

  • Employee benefits program: The insurer offers employers the option of offering pet insurance to their employees as part of their benefits package.
  • Multiple pet discounts: Enjoy 10 percent savings for each additional pet insured.
  • Veterinary employee discounts: Veterinary practices can offer their staff 10 percent off their plan for every pet insured with ASPCA.

Note: Discounts and eligibility may vary by state.

ASPCA mobile app

The user-friendly app allows you to submit claims, track your deductible and access important policy information — all from your smartphone or tablet.

Vet finder

ASPCA Pet Health Insurance offers a helpful "Vet Locator" that allows you to search for a licensed vet or veterinary specialist in the U.S. or Canada.

Exclusions and restrictions

When considering ASPCA Pet Health Insurance, it's important to familiarize yourself with its exclusions and restrictions. The limitations can affect coverage availability and the overall suitability of the insurance for your pet's specific needs. Understanding these factors will help you make an informed decision and choose the best possible plan for your pet's health and well-being.

Age restrictions

ASPCA Pet Health Insurance has age restrictions for new enrollments. You can enroll kittens and puppies as young as eight weeks old, with no upper age limits.

Waiting periods

There is a 14-day waiting period for accidents, illnesses, cruciate ligament and orthopedic injuries.

Location restrictions

ASCPA Pet Health Insurance is available in all 50 states. However, veterinary costs vary by location, so your policy cost depends on where you live.

ASPCA pet health insurance costs

Pet insurance policy costs depend on numerous factors. However, ASPCA Pet Health Insurance uses a standardized pricing model to simplify the pricing structure, which makes it easier for pet owners to understand and compare options. We gathered sample quotes to give you an idea of pricing.

Example rates for dogs

Breed 2 years old 5 years old 8 years old 10 years old

*Sample policies were for a female dog with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 90 percent reimbursement limit and $5,000 annual benefit limit. The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes.

French bulldog $110  $145  $261 $110
Labrador retriever $76  $100  $181 $253
Golden retriever $62  $101  $181 $253
German shepherd $65  $85  $154 $214
Poodle $80  $106  $191 $267
Dachshund $44  $47  $80 $146

Example rates for cats

Breed 2 years old 5 years old 8 years old 10 years old

*Sample policies were for a male cat with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 90 percent reimbursement limit and $5,000 annual benefit limit. The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes.

Rates for dogs and cats last checked December 3, 2024.

Ragdoll $28  $33  $50 $71
Maine coon $44  $52  $79 $112
Persian $44  $52  $79 $112
Exotic $51  $61  $91 $132
Devon rex $28  $33  $50 $71
British shorthair $44  $52  $62 $112

How to file a claim with ASPCA 

There are a few different ways to file a claim with ASPCA pet insurance.

The ASPCA insurance app makes filing a pet insurance claim easy and efficient. 

You'll simply need to follow these steps:

If you're not using the app, you can either submit a claim online through the Member Center on the website or download a claim form and submit it via email, mail or fax. You should get a payout within 30 days if your claim is eligible for reimbursement.

Frequently asked questions

Methodology

CTA ASPCA has 19 reviews

ASPCA has 19 reviews

Dive into community reviews below and see what others think about ASPCA.

4.4 Star Icon
19 ratings
Info Icon
Score breakdown
5 stars
53%
4 stars
42%
3 stars
0%
2 stars
5%
1 star
0%
Score by category
Overall Experience Rating 4.4 / 5
Affordability Rating 3.9 / 5
Coverage Rating 4.3 / 5
Customer Support Rating 4.6 / 5
Customizations Rating 3.8 / 5

Community Reviews

See what users like you are saying about ASPCA.
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Overall
Was the process of getting a policy easy with this company? Why or why not?
It was easy just a lot of waiting..but it's totally worth the wait
Score by category
Coverage Rating 4 / 5
Affordability Rating 3 / 5
Customizations Rating 3 / 5
Customer Support Rating 4 / 5
Overall
Was the process of getting a policy easy with this company? Why or why not?
It was very easy as their customer service personnel was quick to attend to me
Score by category
Coverage Rating 5 / 5
Affordability Rating 4 / 5
Customizations Rating 5 / 5
Customer Support Rating 5 / 5