ASPCA Pet Insurance Review

ASPCA Pet Insurance Review

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Every distinctive pet insurance company has its own policies, plans, pricing tags – and all-encompassing benefits for different pets.

ASPCA Pet Insurance

Key Benefits


Policy Name Coverage Cost Benefits Claims Process Overall Rating
Complete Coverage Accidents, illnesses, and preventive care Varies by plan and pet
  • Covers accidents, illnesses, and preventive care
  • No annual or lifetime limits
  • Customizable deductibles and reimbursement percentages
  • Optional wellness rider for routine care
  • Hereditary and congenital conditions coverage
  • Alternative therapies coverage, such as acupuncture and chiropractic care
Submit claims online, by email, fax, or mail 4.6/5
*Prices vary based on pet age, breed, and location. ASPCA offers a variety of plans with different levels of coverage and deductibles.

In this Pet Insurance review, we’re going to talk about what they offer when talking about pet care, what they cover and what they don’t, their ASPCA dog adoption and ASPCA cat adoption, pricing initiatives, and other relevant aspects that make investing in their pet insurance worthwhile. 

ASPCA was first established in late 1866, but they haven’t indulged in pet insurance policies since 2006 when they partnered up with Hartville Pet Insurance and made a licensing consensus. 

In terms of what they offer from today’s standpoint and regarding pet insurance, below is one of the most detailed ASPCA Pet Insurance reviews you’ll find.

ASPCA Pet Insurance Review – Defining ASPCA Pet Health Insurance

The American Society for the Prevention of Cruelty to Animals or ASPCA is a Pet Insurance company that gives out coverage for accident-only issues or a combination of both sickness and accident coverage for your pets. 

In this Pet Insurance review, we’ll discuss how their policies provide a distinctive combination of filled to the brim choices and reduced insurance limitations for animal parents who don’t require extensive coverage. 

Also, the ASPCA Insurance is really great for pet parents who don’t want to cover all of the expenses that they’ll never use.

If you want to be a happy parent of a multitude of pets, you should go ahead and check out their ASPCA dog adoption or ASPCA cat adoption procedures. With ASPCA, you’re eligible to choose multiple veterinarians, meaning that you’re not confined to a certain network of pet specialists. 

The tricky part is that you have to pay the medical cost upfront or make use of another form of agreement with the veterinarian, and after that request reimbursement. 

The difference to people’s medical insurance is that, usually, you give out a portion of the veterinary charges when you purchase the pet insurance. Yearly payment limitations and deductibles apply with the ASPCA Pets Insurance policies.

ASPCA: The Pros and Cons

It wouldn’t be one of those full ASPCA Pets Insurance reviews if perks and downsides aren’t included, would it now?


  • Provides behavioral treatment strategies that incorporate certain alternative medicines and treatments.
  • Illnesses that existed prior to signing up with ASPCA are available following 180 days of living without any symptoms, which is absolutely speedier than most of the other companies.
  • Animal parents may pick the percentage of reimbursement, their ASPCA deductibles, and yearly limitations.
  • Not only do they offer full-blown benefits for cats and dogs, but ASPCA Pet Insurance also offers coverage for horses as well, which is a rarity in the industry. 
  • You may go to whichever vet specialist you want in the US or Canada.


  • Processing requests and claims might go as long as a month.
  • ASPCA Pet Insurance doesn’t cover a broader spectrum of dental issues as some other companies do.
ASPCA Pet Insurance

Go To Any Vet

Provides Behavioral Treatment

Offers Coverage of Horse

ASPCA Plans: What are the Options to Consider? 

Along with the ASPCA adoption program that spreads itself from ASPCA dog adoption to ASPCA cat adoption, there are other plans in availability. 

First off, they provide ASPCA Pet health Insurance a full-coverage plan for canines and felines, which contains coverage for accidents and diseases alike. 

Second, the ASPCA Insurance has an accident-only scheme that solely covers any accident, whether it’s a bite of another animal, or ingesting any toxic material, even mushrooms, and some plants.

Last but certainly not least is that ASPCA offers a rare opportunity for horse plans – not one, but two! There’s the Colic + Accidents plan that covers stomach disorders and accident wounds. Whereas, the Colic + Accident + Illness plan is more expensive and includes pet therapy for illnesses including cancer and genetic conditions.

There’s also the Wellness plan that augments each and every one of these coverages with the added preventive care features. The following is a representation of treatment coverage for all of the ASPCA Pet Insurance plans.

Therapy CoverageFull-on Coverage PlanAccident-only PlanWellness Plan
Examination feesYesYes/
Laboratory testingYesYes/
Diseases of the genomeYes//
Prevention medicine//Yes
Implanting microchipsYesYes/
Neutering/spray operation//Yes
Dental therapy and procedures//Yes
Behavior therapyYes//
Physician checksYesYes /
Alternative careYesYes/
Medical boardsYesYes/

ASPCA Pet Health Insurance Optional Features

To discover a subscription premium that benefits you, you have the option to personalize the plan by setting a yearly deductible, limitation, and naturally, reimbursement percentage. 

Although there is no lifetime restriction with ASPCA insurance, a lot of their features have yearly limitations. And, if you go over that limitation – they won’t cover it.

The Complete Coverage plan covers alternative treatments and mental care, while they don’t cover nearly enough dental issues when compared to other pet insurance companies.

On the other hand, their Wellness plan is offered as an add-on that covers most of the prevention and care treatment, like vaccinations and heartworm therapy. You can have a look at which service provided from this optional feature suits you the best.

Just a reminder, these services aren’t part of the primary insurance. In other words, animal parents will pay for the various sorts of distinctive treatments. 

How Much Does ASPCA Pet Health Insurance Cost?

A lot of factors are in play to actually get the price for the ASPCA Pets Insurance. Such include the type of animal, its age, breed, and the state of residence – yours and your pet’s. 

The monthly average cost of ASPCA Insurance all-encompassing coverage for a single pet is $35. The cost rises and drops according to the yearly limit, percentage of reimbursement, and deductibles preferred.

  • Yearly deductible: You can select between $500, $250, and $100. If your deductibles are bigger, the monthly cost for your premium will be cheaper and vice versa.
  • Yearly limitation: You’ll get a selection of $20,000, $15,000, $10,000, and $5,000 as the lowest sum – or even an unrestricted yearly limitation. 
  • Percentage of reimbursements: 3 options to select from are waiting for animal parents at the ASPCA Insurance company; 90%, 80%, and 70%. This percentage indicates the amount you’ll receive for every veterinary bill, following the deductibles.

Puppies, Kittens, and Horses – Unite!

Since you’ve read through the details provided, it’s time to make a decision to help out your adorable pets. With the ASPCA Insurance, your pets will receive all the nurture and treatment they need, and carry on living their happy and furry lives!

This ASPCA Pet Insurance review is solely for you to gather up information. Whether you want to choose this insurance company or not is only up to your and your pet’s needs.

ASPCA Pet Insurance

ASPCA Pet Insurance Review: FAQs

Yes, ASPCA Insurance is without a doubt great since you can choose between what kind of reimbursement percentage you want, the deductibles, and yearly limits. The 180-days free symptoms coverage for pre-existing illnesses is great, alongside their speedy procedures.

With their Wellness programs, you’ll get the neutering treatment your pet deserves. And you’ll also get comprehensive care and heartworm treatments as well, but only with the Wellness plans and not through their full-coverage plan.

Simply. All you have to do is choose the optimal yearly limitations, including your deductibles, percentage of reimbursement, and the pet’s breed, age, and state of residence. There’s a 14-day waiting period for diseases and physical issues and zero waiting time regarding accidents.

To cancel ASPCA pet insurance, provide your information in a mail and reach out elaborating why you want to cancel the insurance. Sometimes, you have to file a notice 60 days prior to your cancellation. You’ll also get a 30-day cash back guarantee that solely depends on you getting the claim.

 ASPCA Insurance covers diseases, accidents, inherited and genetic problems, chronic ailments, alternative treatments, prescription drugs, additives, and foods, microchipping, and more. The covered aspects will finally depend on your chosen plan.

ASPCA Pet Insurance Alternatives

To find the best ASPCA Pet Insurance alternative for you, it’s important to compare the plans offered by different companies.

Consider your budget, your pet’s age and health needs, and the type of coverage you’re looking for. You can also read reviews of different pet insurance companies to get a better sense of their customer service and claims process.

ASPCA Pet Insurance alternatives:

  • Embrace Pet Insurance – Better coverage, with a focus on preventive care.
  • Figo Pet Insurance – More customizable plans, with a wide range of coverage options to choose from.
  • Healthy Paws Pet Insurance – Better rates, especially for older pets and pets with pre-existing conditions.
  • MetLife Pet Insurance – Quicker coverage for unexpected accidents.
  • Lemonade Pet Insurance – Better overall value, with a unique Lemonade Care policy that offers a lower premium and a higher reimbursement rate.
  • Pets Best Pet Insurance  – Cheaper rates, especially for young pets and pets with no pre-existing conditions.
  • Pumpkin Pet Insurance – Best for accident and illness coverage, with a focus on sudden onset illnesses and injuries.
  • Spot Pet Insurance – Best for preventive care, with a unique wellness package that covers the cost of routine vet visits and vaccinations.
  • Trupanion Pet Insurance – Best for lifelong coverage, with no annual or lifetime limits on benefits.
  • Nationwide Pet Insurance – Best for pet parents who want a variety of coverage options to choose from, including wellness plans, multiple pet discounts, and pre-existing condition coverage.

These companies offer a variety of pet insurance plans with different coverage levels and premiums. Some companies also offer additional benefits, such as wellness coverage, multiple pet discounts, and pre-existing condition coverage.

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