Pet Insurance Reviews

ASPCA Pet Insurance Review 2023 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer
Updated Nov 07, 2023 | 14 min read
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5,040 Consumer Reviews

Trustpilot, October 2023

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& Illness

Plans Offered

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Routine Care



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Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.


Lowest Price For Dogs

$16 / month

Lowest Price For Cats

$16 / month

Monthly Payment Processing Fee


One-Time Enrollment Fee


Coverage Options

Annual Deductible

$100, $250, $500, or $1,000

Reimbursement Rate

70%, 80%, 90%, or 100%

Annual Coverage Limit

$2,500, $5,000, $10,000, $15,000 or Unlimited

Waiting Periods


14 days


14 days

Cruciate Ligament Injuries

14 days

Orthopedic Conditions

14 days

Filing a Claim

File Claims 

website or mobile app

Claim Expiration 

270 days

Average Claim Reimbursement 

9 days

Enrollment Requirements

Minimum Age at Enrollment 

8-weeks old 

Medical Review 


Residency Requirement 

Your pet must reside with you at your primary address in the United States or Canada

There is no one-size-fits-all pet insurance plan, but ASPCA Pet Health Insurance is a great option for many pet owners. The Complete Coverage plan features unique coverage categories that are more comprehensive than other providers on the market and wellness add-ons that may be particularly attractive to owners of new puppies or kittens. ASPCA is one of the best pet insurance companies in the industry with reimbursement rates as high as 100%, which is uncommon to find elsewhere.


  • Annual deductibles as low as $100
  • No Lifetime Payout Limits
  • 270 days to submit a claim before expiration
  • Will not raise the price of your policy for filing a claim
  • Fast cash back with claims reimbursed in an average of 9 days or 30 days max
  • 30-day money-back guarantee if no claims have been filed
  • Discounts for multi-pet enrollment
  • Coverage for microchipping without a supplemental wellness plan


  • Cannot pay the vet directly
  • Does not cover bilateral conditions


The American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization founded in 1866 and one of the largest humane societies in the world with over a million members. ASPCA Pet Health Insurance policies are underwritten by the United States Fire Insurance Company, a Crum & Forester subsidiary that has earned a trustworthy reputation in the industry since launching its operations in the 1990s. Plans are produced and administered through PTZ Insurance Agency, Ltd.

What's Covered

  • Accidents and illnesses
  • Dental disease
  • Cancer treatments
  • Breed-specific conditions
  • Orthopedic conditions
  • Alternative therapies
  • Veterinary exam fees
  • Pet microchipping
  • Poison consultation fees
  • Therapeutic diets
  • Vet-recommended euthanasia
  • Cremation and burial

Optional Add-On: Routine Care

What's Not Covered

  • Prescription food for general health
  • Cosmetic or elective procedures
  • Advanced dentistry or endodontic treatments
  • Obedience training or puppy classes
  • Complications due to breeding, nursing, or whelping
  • Lost pet advertising and reward
  • Vacation cancellation costs
  • Pre-existing conditions

Routine Care Add-On

ASPCA wellness plans are available in two different tiers and are designed to help pet parents cover the cost of routine care, Basic and Prime, which enables you to get reimbursed up to the following amount for each item:

Basic Preventive Care

Dental Cleaning - $100

Wellness Exam - $50

Deworming - $20

DHLPP Vaccine/Titer - $20

Rabies or Lyme Vaccine/Titer - $20

Fecal Test - $20

Heartworm Test - $20

Health Certificate - $0

Flea/Heartworm Prevention - $0

Bordetella Vaccine/Titer - $0

Blood Test - $0

Urinalysis - $0

Prime Preventative Care

Dental Cleaning or Spay/Neuter - $150

Wellness Exam - $50

Deworming - $25

DHLPP Vaccine/Titer - $25

Rabies or Lyme Vaccine/Titer - $25

Fecal Test - $25

Heartworm Test - $25

Health Certificate - $25

Flea/Heartworm Prevention - $25

Bordetella Vaccine/Titer - $25

Blood Test - $25

Urinalysis - $25

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?

Waiting Periods

When you sign up for pet insurance, there is a mandatory waiting period before your insurance coverage kicks in, which varies by provider. The waiting period for ASPCA pet insurance plans is 14 days, regardless of the incident (wellness coverage starts immediately):

  • Accidents, including cruciate ligament injuries: 14 days
  • Illnesses, including orthopedic conditions: 14 days

See how much ASPCA Pet Insurance costs for your pet

How it Works

ASPCA Pet Insurance works at any licensed vet in the U.S. or Canada. It works by reimbursing between 70% and 100% of eligible veterinary expenses related to your pet's unexpected illness and injury (once you've met your annual deductible).

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1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.

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2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.

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3. File an ASPCA Pet Insurance claim through their app, email, phone, or fax.

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4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.

How to File an ASPCA Pet Insurance Claim

  • Window to File: 270 days
  • Average Claim Reimbursement: 9 days
  • Maximum Time for Reimbursement: 30 days
  • Reimbursement Methods: direct deposit or check

The fastest way to submit an ASPCA Pet Insurance claim is online through the Member Center or by using the app on your iPhone or Android.

To submit a claim, you'll need the following information:

  • Your name, address, contact information, and signature on the claim form
  • A description of the condition and treatment you are claiming
  • All applicable receipts, including an itemized breakdown of the fees incurred.

ASPCA Pet Insurance Cost

The cost of ASPCA Pet Insurance starts as low as $16 per month, which is a cheaper entry rate than other competitors. However, the exact price you will pay depends on your pet's breed, age, and zip code, as well as the coverage options you select. Getting a custom quote is the only way to get an accurate price estimate.

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Lowest Price for dogs:

$16 / mo

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Lowest Price for cats:

$16 / mo

Sample Prices

Estimated ASPCA Pet Insurance costs are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, Texas.

Breed of Pet

6 Months Old

3 Years Old

10 Years Old

French Bulldog




Labrador Retriever




Domestic Shorthair Cat




 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Discounts & Ways to Save

  • Policyholders can receive a 10% discount for enrolling multiple pets
  • Veterinary staff can save 10% on their base plan premium for each pet they enroll
  • Pay for your policy annually to save $24 per year in monthly processing fees

Customer Service

ASPCA customer service is available by phone, email, or fax. They also provide easy account management through the Member Center online, where policyholders can submit and track claims, find nearby vets, enroll in direct deposit, and review benefits.

Sales Department Contact Information

Monday - Friday: 9:00 AM to 6:00 PM EST

 ASCPA Customers: 1‑888‑716‑1203


Veterinary Staff Support

Monday - Friday: 9:00 AM to 5:00 PM EST

Vet Staff: 1‑877‑738‑2677


Enrollment Requirements

  • Minimum age at enrollment: 8 weeks
  • Medical Review: Records are requested at the time the first claim is filed
  • Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider

Cancellation Policy

If you want to cancel ASPCA Pet Health Insurance, you can request a next-day cancellation with a pro-rated refund depending on if you have received a claim. Cancellation may be dependent on the customer providing a 60-day notice to the insurance company.

Otherwise, the ASPCA Pet Insurance program renews policies automatically and has continuous coverage over the lifetime of a pet, so long as the pet owner does not break the rules of ASPCA's contract.

Money Back Guarantee

The ASPCA Pet Health Insurance program has a 30-day money-back guarantee if no claims are filed. Below is their official cancellation policy:

The ASPCA Pet Health Insurance program has a 30-day money-back guarantee. If you want to cancel your policy, you must contact the ASPCA Pet Health Insurance program to advise of the future date the policy is to cancel. The ASPCA Pet Health Insurance program will then refund any premium already paid for any period after the last date of coverage. Policies that are not canceled will automatically renew at the end of the policy period.

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Expert Insights

Is ASPCA Pet Insurance good?

"ASPCA Pet Health Insurance is a top-rated provider and one of the most established brands in the industry. Their Complete Coverage℠ plan is one of the most comprehensive options you can find, and when paired with their wellness add-on you can truly rest easy knowing most veterinary expenses will be reimbursed.

The ASPCA pet insurance has several unique benefits that other providers lack, which might make this option more attractive to you. For instance, there is no maximum age limit for coverage. All cats and dogs are eligible for the ASPCA’s pet insurance coverage regardless of their health.

The plans do cover alternative therapies, behavioral issues, and prescription food and supplements, which other providers often charge as additional add-on features. Plus, they’re one of the few providers who now offer 100% reimbursement (after your deductible is met). ASPCA costs are are on par with other competitive rates, and pet owners can build custom plans to fit their personal budget."

Kari Steere
Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

ASPCA Pet Insurance Reviews


5,040 Consumer Reviews

Peace of Mind

I bought insurance for our new puppy because my wife wanted it. I only needed basic, just in case. I liked the options that you gave and it’s for piece of mind, just in case we need it for a major surgery. I expected it to cost more, nice surprise.

Tom Doonan
October 12, 2023

Good Service

For the most part the claims are processed quickly and I never have any trouble putting through my claims. My dog is really sick right now and it helps to have this coverage even though it won't be sufficient to cover the whole surgery.

Jenn Szutu
October 12, 2023

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More From Pawlicy Advisor

 We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.

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Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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