ASPCA Pet Insurance Review 2024

ASPCA Pet Health Insurance is an accident and illness plan. These types of plans are the most common pet insurance plans and cover the most problems. You’ll have the option to add a wellness plan. ASPCA pet insurance does not offer an accident-only plan.

If you don’t see the coverage options you want, shop around on Forbes Advisor’s list of the best pet insurance companies.

Pet Accident and Illness Coverage

ASPCA Pet Health Insurance offers “Complete Coverage,” which is its comprehensive plan that covers accidents and illnesses. This plan covers expenses such as:

• Injuries such as broken bones, torn ligaments and toxic ingestion
• Illnesses such as hypothyroidism, digestive issues, ear infections and urinary tract infections (UTI)
• Medical services such as ultrasounds, MRIs and bloodwork
• Hereditary and congenital conditions such as intervertebral disc disease
• (IVDD), eye disorders, heart disease and hip dysplasia
• Alternative therapies such as rehabilitative therapy and chiropractic care
• Chronic conditions such as cancer and diabetes
• Behavioral issues such as excessive licking, pacing, destructive chewing and fur pulling
• Prescription medications
• Microchip implantation

ASPCA Pet Insurance Add-Ons

From vaccinations to annual check-ups to flea and tick medication, preventive pet care costs can quickly add up. To help offset some of these expenses, some pet insurers offer routine care or wellness plans. ASPCA offers this coverage as an add-on to its pet insurance policy.

Here’s how it works: You select a preventive care coverage package (plans start at $9.95 per month). Each plan covers certain services and has a maximum annual benefit amount. For example, your plan might have a $50 annual maximum reimbursement amount for wellness exams. After you pay your vet bill, you will submit a claim for reimbursement.

Depending on the plan you select, you can be reimbursed for expenses such as:

• Wellness exams
• Dental cleanings
• Heartworm/flea prevention
• Blood screenings
• Spay/neuter
• Vaccinations
• Fecal screen
• Urinalysis

Generally, pet insurance excludes certain problems from coverage. ASPCA Pet Health Insurance policies do not cover:

• Pre-existing conditions that occur before coverage begins
• Cosmetic procedures such as ear cropping, tail docking and claw removal
• Breeding costs

While ASPCA pet insurance does not cover pre-existing conditions, your policy may cover an illness or injury that is cured and free of treatment and symptoms for 180 days, excluding knee and ligament conditions.

More: Pet insurance that covers pre-existing conditions

It’s easy to assume that your coverage begins right away once you purchase a pet insurance policy. Unfortunately, this isn’t the case. Pet insurance companies have a set amount of time you must wait before your coverage kicks in after purchase, otherwise known as the waiting period.

In addition, some insurers have different waiting periods for accidents, illnesses and other chronic conditions.

ASPCA Pet Health Insurance has a 14-day accident and illness waiting period. While illness waiting periods generally average around 14 days for other pet insurers, you can find an insurer with a two- or three-day waiting periods for accidents such as Pets Best and Embrace.

ASPCA Pet Health Insurance doesn’t have extended waiting periods for special conditions such as a cruciate ligament condition. If your pet’s breed is more susceptible to such problems, a longer waiting period can pose a concern. In this case, pet insurance from ASPCA is worth considering.

Maximum Annual Limit Options

An annual coverage limit is a cap on the pet insurance benefits your insurer will pay in the plan year. Once you reach your coverage limit, you are responsible for health-related costs for your pet during the remainder of the year. ASPCA’s annual limit choices are:

• $3,000
• $4,000
• $5,000
• $7,000
• $10,000

Deductible Options

Before your insurance provider reimburses you for any vet bills, you must pay a set amount of vet costs, known as the deductible.

• $100
• $250
• $500

Reimbursement Options

The reimbursement percentage is the portion of qualifying expenses that the plan will pay.

• 70%
• 80%
• 90%

ASPCA pet insurance costs will depend on several cost factors, including:

• Type of pet
• Breed
• Where you live
• Coverage amount
• Deductible and reimbursement level

There are two ways to save money on ASPCA pet Insurance:

• 10% multipet discount for insuring more than one pet
• 10% for ASPCA employees on the base plan premium

ASPCA pet health insurance is available in all 50 states and Washington, D.C.

Company	Company - Logo	Forbes Advisor Rating	Forbes Advisor Rating	Reimbursement Choices	Deductible Choices	Learn More CTA text	Learn more CTA below text	View More
Pets Best		5.0		70%, 80%, 90%	$50, $100, $200, $250, $500, $1,000	Compare Plans	Via PetInsurer.com's Secure Website
Embrace		4.5		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans	Via PetInsurer.com's Secure Website
Paw Protect		4.5		70%, 80%, 90%	$100, $250, $500	Compare Plans	Via PetInsurer.com's Secure Website
Fetch		4.0		70%, 80%, 90%	$300, $500, $700	Compare Plans	Via PetInsurer.com's Secure Website
Figo		4.0		70%, 80%, 90%, 100%	$100, $250, $500, $750, $1,000, $1,500	Compare Plans	Via PetInsurer.com's Secure Website
Healthy Paws		4.0		50%, 60%, 70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans	Via PetInsurer.com's Secure Website
Lemonade		4.0		70%, 80%, 90%	$100, $250, $500, $750	Compare Plans	Via PetInsurer.com's Secure Website
Spot		4.0		70%, 80%, 90%	$100, $250, $500, $750, $1,000	Compare Plans	Via PetInsurer.com's Secure Website

Reimbursement and deductible choices may vary by state.

Pet insurance benefits and waiting periods vary among insurers. For example, ASPCA pet insurance pays for vet exam fees while Healthy Paws and Trupanion does not. But Pets Best pet insurance offers shorter accident waiting periods than ASPCA.

ASPCA Pet Insurance vs. Healthy Paws Pet Insurance

Rating and coverage details	ASPCA pet insurance	Healthy Paws pet insurance
Forbes Advisor rating	N/A
Accident coverage waiting period	14 days	15 days
Illness coverage waiting period	14 days	15 days
Special waiting periods	None	12 months for hip dysplasia; coverage for hip dysplasia not available for pets age six or older at time of enrollment
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	Yes	Yes

Details can vary by state.

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ASPCA Pet Insurance vs. Pets Best Pet Insurance

Rating and coverage details	ASPCA pet insurance	Pets Best pet insurance
Forbes Advisor rating	N/A
Accident coverage waiting period	14 days	3 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	None	6 months for cruciate ligaments, 14 days for hip dysplasia
Pays for the vet exam fee?	Yes	Only with Plus and Elite plans
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	Yes	Yes

Details can vary by state.

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ASPCA Pet Insurance vs. Spot Pet Insurance

Rating and coverage details	ASPCA pet insurance	Spot pet insurance
Forbes Advisor rating	N/A
Accident coverage waiting period	14 days	14 days
Illness coverage waiting period	14 days	14 days
Special waiting periods	None	None
Pays for the vet exam fee?	Yes	Yes
Optional wellness plan available?	Yes	Yes
24/7 vet helpline available?	Yes	Yes

Details can vary by state.

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ASPCA Pet Insurance vs. Trupanion Pet Insurance

Rating and coverage details	ASPCA pet insurance	Trupanion pet insurance
Forbes Advisor rating	N/A	N/A
Accident coverage waiting period	14 days	5 days
Illness coverage waiting period	14 days	30 days
Special waiting periods	None	None
Pays for the vet exam fee?	Yes	No
Optional wellness plan available?	Yes	No
24/7 vet helpline available?	Yes	No

Details can vary by state.

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You can cancel an ASPCA pet health insurance policy by contacting customer service via email at cservice@aspcapetinsurance.com.

The American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization working to prevent malice to animals. As part of its initiative to protect the greater well-being of animals, the ASPCA offers pet insurance that’s underwritten by United States Fire Insurance Co.