ASPCA Pet Health Insurance Information & Review: Everything You Need To Know

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General Information
How Much Does It Cost?

General Information

The ASPCA is the American Society for the Prevention of Cruelty to Animals. It’s a non-profit organization based on the belief that animals are entitled to kind and respectful treatment at the hands of humans. Its stated mission is “to provide effective means for the prevention of cruelty to animals throughout the United States.”

Founded in 1866 by Henry Bergh and headquartered in New York City, the ASPCA was the first humane society established in North America. It’s now one of the largest humane societies in the world.

The ASPCA furthers its mission through various programs across the United States, including adoption centers, spay/neuter clinics, and pet insurance plans. Today, the ASPCA has over one million members, including pet owners, animal rights advocates, and veterinary professionals.

C&F Insurance Agency, which has operated as a trusted provider in the U.S. since the 1990s, administers ASPCA® Pet Health Insurance policies.

What kinds of pets are eligible for ASPCA Pet Health Insurance?

The ASPCA Pet Health Insurance company covers accidents, illnesses, and other health issues in dogs and cats. Unfortunately, no other types of pets are covered through this plan at this time. However, there are plans available through other pet insurance companies that cover pets like rabbits, amphibians, and reptiles.

What insurance plans are available through ASPCA Pet Health Insurance?

ASPCA Pet Health Insurance offers pet owners its Complete Coverage℠ plan for dogs and cats. You can also include preventive care coverage as an addon feature. This reimburses a set amount of money each month for services that protect your pet from getting sick, including vaccines and screenings.

Key Takeaways

Get Cash Back, Fast: Sign up for direct deposit to get your claim payments even faster--saving you time and a trip to the bank.
Money back guarantee for 30 days if no claims are processed.
Save $24 on transactions fees per year if you pay annually instead of monthly, and save 10% for each additional pet you enroll after your most expensive pet.
Lets you choose your own vet.
Will not raise the price of your policy because you file a claim.
Like all pet insurance companies, they cannot cover pre-existing conditions.

How Much Does It Cost?

Pet insurance prices for ASPCA Pet Health Insurance vary based on your pet's breed, age, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare ASPCA to other leading pet insurance brands for free.

ASPCA Pet Health Insurance lets customers customize their pet’s health insurance plan based on the percentage they are reimbursed for costs, their annual deductible, and their annual limit. All these factors will impact how much you pay monthly as well.

For example, a plan with an unlimited annual limit will provide substantial reimbursement for your pet’s healthcare costs, but you can also expect to pay more per month. Likewise, a lower reimbursement percentage will save you on monthly costs, but you’ll end up paying more out of pocket for care.

*You can find an ASPCA Pet Health Insurance policy that fits your budget and unique coverage needs by using Pawlicy Advisor’s pet insurance analyzer.

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What makes ASPCA pet insurance worth it?

The ASPCA Pet Health Insurance program includes some benefits that other insurers lack, which might make it worth it for you. All cats and dogs are eligible for the ASPCA Pet Health Insurance program regardless of their health, although it doesn’t cover pre-existing conditions. The program covers alternative therapies, behavioral issues, and prescription food and supplements, which are only addon features on some other plans.

There is no age limit for coverage. However, the age of your pet may impact the cost of your plan.

How does the price compare to other plans?

The ASPCA Pet Health Insurance plan tends to be slightly more expensive than other plans, but not by much. The organization builds custom plans to fit anyone’s budget. You can use Pawlicy Advisor to find and compare a range of affordable ASPCA coverage options.

Important Information to Know About ASPCA Pet Health Insurance

How good are ASPCA Pet Health Insurance reviews?

As of 2020, ASPCA Pet Health Insurance reviews have an average rating of 4.5 out of 5 on Trustpilot (from 1948 reviews).

*Keep in mind that pet insurance reviews only offer a shade of context. Simple review aggregators do not illuminate the real data points and fine print as it relates to your unique pet, location, and financial standing. To get a data-driven, personalized recommendation you can use Pawlicy Advisor’s free policy scanner.

Have an existing ASPCA Pet Health Insurance policy? Write a review to help other pet owners.

What to know before investing in ASPCA Pet Health Insurance

The sale of insurance represents a contract between the insurance provider, who carries the risk your pet will need treatment and you, who is responsible for paying insurance premiums. This contract typically carries an expiration date of one year from the effective (start) date unless you choose to renew the policy.
Each insurance provider offers different financing options, including whether you pay your pet insurance premiums on a monthly, quarterly, semi-annual, or annual basis.
Some insurance providers apply a payment transaction fee to your insurance premiums, but this fee can sometimes be waived if you choose the annual payment option.
The age at which your pet is first eligible to be insured.
If the insurance underwriter approves, your pet’s insurance coverage may be transferred when you transfer pet ownership by agreement or law.
Your pet must reside with you at the primary address you list for your insurance provider. It is your responsibility to notify the insurance provider of any change in address.
Geographical regions where incurred expenses will be covered by the insurance provider.
Rather than paying for your pet's treatment up front, you can submit a form to your insurer that approves the vet-recommended treatment and allows the vet to be paid directly by the insurer.

When should you consider insurance for your pet?

The sooner the better, as earlier consideration will also help prevent future exclusions due to pre-existing conditions. In other words, you should consider pet insurance before injuries, diseases, or illnesses arise to ensure that any future veterinary bills will be covered by your chosen plan.

Ideally, you should consider pet insurance within the first six months of adopting your pet - regardless of whether you adopt from a shelter, rescue, or breeder.

Customer Service

ASPCA Pet Health Insurance has several phone numbers to call for customer service. They accept email and fax inquiries, and they have separate channels for veterinary staff, media professionals, and sales inquiries.

They also include easy account management through its Member Center, where policyholders can submit and track claims, find nearby vets, sign up for direct deposit, and review benefits.

Hours of availability for the company's sales department.
Email address of the company's sales department.
Phone number of the company's sales department.
Hours of availability for the company's veterinary services department.
Email address of the company's veterinary services department.
Phone number of the company's veterinary services department.

Discount Opportunities

In addition to their discount for insuring multiple pets, the ASPCA Pet Health Insurance program offers an employee benefit program for veterinary practices in available states. Veterinary staff can save 10% on their base plan premium for every pet they insure. This discount stacks with the multiple pet discount.
A discount is applied when a policyholder insures two (2) or more pets or companion animals. This discount is applied to each additional pet insured in a plan.

What's Covered

The ASPCA Pet Health Insurance program covers accidents, illnesses, hereditary and congenital conditions, alternative therapies, chronic conditions, prescription medications, prescription food and supplements, and even microchip implantation.

The ASPCA Pet Health Insurance program also has pet exam fees built into its coverage. There are no vaccine requirements for coverage of certain conditions associated with this plan.

Like other pet health insurance plans, the ASPCA’s plan does not cover pre-existing conditions. It provides insurance for dogs and insurance for cats only, so you’ll need to look elsewhere to insure another type of pet.

List of treatment and conditions covered by ASPCA Pet Health Insurance plans

Accident-Only Coverage
Complete Coverage

Use Any Vet

Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.



Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
Blood Tests
Exam Fees for a Covered Occurrence

Alternative Therapies

The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
The insertion of small needles to cause a desired healing effect.
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Chiropractic adjustments include spinal manipulation and/or manual therapy.
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body’s needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient.
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).

Exam Fees

Exams or consultations affiliated with a covered insurance condition, such as accident or illness, not preventive.


Supplements For Covered Conditions

Supplements prescribed or dispensed by a veterinarian to treat a covered condition.

Vet Labor

Costs for the veterinarian's time consulting and overseeing your pet's treatment.


Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning
Dental Coverage for Periodontal Disease
Dental Coverage for Deciduous Teeth, Cysts, Enamel, and Unerupted Issues.

Prescribed Foods + Medication

Prescription medications are approved by your vet for the treatment of your pet's ailment.
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
Foods prescribed by your veterinarian for general health maintenance or prevention.

Breed-Specific Conditions

Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Condition that requires ongoing care.
A disease that affects an animal's hip joint.
Knee Injury


Coverage includes chemotherapy and radiation treatment.


Stem Cell Therapy
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
Reimbursements for advertising costs for a lost pet.
Reimbursements for offering a reward for a lost pet.
If your pet requires lifesaving medical treatment, the provider will pay for unrecoverable travel and accommodation expenses while you are on travel or within a week from your travel date.
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Breeding, Pregnancy, Whelping or Nursing
Complications from Breeding, Pregnancy, Whelping, or Nursing

Behavioral Issues

A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
Costs and payments related to obedience or training classes, including puppy classes.
Costs and payments related to training for behavioral disorders.
Covers legal defense and damages associated with your pet's third-party health liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another human.
Covers legal defense and damages associated with your pet's third-party property liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another dog or causing damage to someone else's furniture, for example.

*Veterinarians use Pawlicy Advisor to streamline the pet insurance conversation. There’s simply too many variables for any one person to truly understand what’s covered and what’s cost-effective across the hundreds of policy variations that exist.

Routine Care Addons

The ASPCA Pet Health Insurance program provides several basic and prime preventive care addons.

Basic Preventive Care

Dental Cleaning


Wellness Exam




DHLPP Vaccine/Titer


Rabies or Lyme Vaccine/Titer


Fecal Test


Heartworm Test


Health Certificate


Flea/Heartworm Prevention


Bordetella Vaccine/Titer


Blood Test




Prime Preventive Care

Dental Cleaning or Spay/Neuter


Wellness Exam




DHLPP Vaccine/Titer


Rabies or Lyme Vaccine/Titer


Fecal Test


Heartworm Test


Health Certificate


Flea/Heartworm Prevention


Bordetella Vaccine/Titer


Blood Test




What's Not Covered

The ASPCA Pet Health Insurance program doesn’t cover cosmetic procedures or breeding costs, including animal pregnancy costs. Cosmetic procedures include tail docking, ear cropping, claw removal, and others.

As mentioned above in “What’s Covered”, ASPCA does not cover pre-existing conditions (any medical condition that exists before benefits go into effect). Also, they do not cover preventive care unless you include it as an addon service.

for full list of terms and exclusions visit

Claims Reimbursement

You can submit a claim with the ASPCA Pet Health Insurance program online through the Member Center or through the ASPCA Pet Health Insurance app for iPhone and Android. When signing up for your ASPCA Pet Health Insurance program, you have the choice of having 90%, 80%, or 70% of covered vet costs reimbursed.

To submit your claim, the following information is needed:

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.
You may file for reimbursement from your insurance provider for treatment and covered services that occurred within this number of days.
Insurance providers work hard to process your insurance claims as quickly as possible. The amount of time it takes to process a claim varies by provider.
Typical The longest amount of time it takes the insurance provider to process a claim.

Cancellation Information

The ASPCA Pet Health Insurance program has a 30-day money-back guarantee. Below is their official cancellation policy:

The ASPCA Pet Health Insurance program has next-day cancellation with pro-rated refund depending on if you have received a claim. Cancellation may be dependent on you providing 60-day notice to the insurance company.

The ASPCA Pet Health Insurance program renews policies 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.

Pre-existing conditions

Pre-existing conditions are not covered by ASPCA Pet Health Insurance. However, they don’t exclude you from being eligible for pet insurance. Pets with pre-existing conditions should still be covered in case other injuries or illnesses arise.

The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is ASPCA Pet Health Insurance latest definition:

Illness, disease, injury, or change to your pet's health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. A condition will no longer be considered pre-existing if your pet's condition has been cured and free from treatment and symptoms for a period of 180 days. An injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

Compare ASPCA Pet Health Insurance To Other Top Providers

If you'd like to see how ASPCA Pet Health Insurance stacks up against other top providers, we've made it easy. Take a look at the links below:

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Preventive and Wellness Care reimbursements are based on a schedule. Illness and accident coverage reimbursements are based on the invoice. Products, schedules, rates and discounts may vary and are subject to change.

The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA's marks and is not a charitable contribution.

Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. Crum & Forster Enterprise is a part of Fairfax Financial Holdings Limited. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2018.

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