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ASPCA Pet Health Insurance 2021 Review: Coverage, Costs, and Fine Print

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There is no one-size-fits-all pet insurance plan, but ASPCA’s benefits and terms are a great option for many pet owners. The ASPCA’s plans provide unique coverage categories that are more comprehensive than some other providers, and their wellness add-on is particularly attractive to new puppy/kitten parents. As of 2021, pet owners who shop via Pawlicy Advisor’s free marketplace can find ASPCA plans with reimbursement rates as high as 100%, which is uncommon among other insurance companies, and can see their custom Coverage Score and Lifetime Pricing Score.

No max age limit.

270 days to submit claim before expiration.

Multi-pet discounts.

Fast cash back: Sign up for the direct deposit to get your claim payments even faster--saving you time and a trip to the bank.

Will not raise the price of your policy because you file a claim.

Covers alternative therapies.

Covers behavioral modification therapy.

Covers prescription foods.

Covers poison consultation fees.

Covers cremation or burial.

Doesn’t cover lost pet advertising/rewards.

Doesn’t cover vacation cancelation costs.

Doesn’t cover breeding, nursing, or whelping.

Doesn’t cover obedience training.

Use at any licensed vet.

9 days to reimburse after claim, on average.

14 days after enrolling your coverage will kick in for accidents & illnesses.

30 day money back guarantee if no claims are processed.

Save $24 on transactions fees per year if you pay annually instead of monthly.

Save 10% for each additional pet you enroll after your most expensive pet.

Routine care/Wellness add-on available.

📝 Sample ASPCA® Pet Health Insurance Policy

🧡 Comparison Marketplace

📖 Insurance Dictionary

💡 How To Compare Plans

Company Overview

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

What does ASPCA stand for?

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.”

Is ASPCA legit?

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.

When’s the best time to get ASPCA’s pet insurance?

1 out of 3 pets will need emergency medical treatment in their lifetime, which is why many veterinarians recommend enrolling in coverage sooner rather than later. In fact, most people buy pet insurance within 6 months after adopting. No pet insurance company will cover a pre-existing condition, so it's important to enroll before any issues arise.

What kinds of pets are eligible for ASPCA pet insurance?

The ASPCA’s pet health insurance plan will cover dogs, cats, puppies, and kittens. No other types of pets are covered through APSCA’s plan at this time.

What insurance plans are available through ASPCA insurance?

The ASPCA offers pet owners its Complete Coverage℠ plan for dogs and cats. This plan reimburses you for unexpected medical costs related to accidents and illnesses. Additionally, you can also include preventive/routine care coverage as a wellness add-on feature. The wellness add-on reimburses a set amount of money for routine care and services that prevent more serious health issues, including vaccines and screenings.

How Does ASPCA’s Pet Insurance Work?

ASPCA’s pet health insurance reimburses you for unexpected veterinary costs. It can be used at any licensed vet clinic or animal hospital in the US, so there’s no “network” to worry about. If your dog or cat gets sick or suffers an injury, ASPCA’s accident-illness coverage plan can give you peace of mind knowing that the bulk of the vet bill (after your deductible is met) can be reimbursed to you.

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.

Submitting Claims & Getting 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’s pet insurance, you have the choice of having 70%, 80%, 90%, or even 100% 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.

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 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.

What's Covered

The ASPCA® Pet Health Insurance Complete Coverage℠ plan covers accidents/injuries, illnesses, hereditary conditions and congenital conditions, alternative therapies, chronic conditions, behavioral issues, prescription medications, prescription food and supplements, and even microchip implantation.

It’s one of the most comprehensive plans out there, and unlike some other providers, there are no vaccine requirements for coverage of certain conditions associated with this plan.

It provides medical coverage for puppies, dogs, kittens, and cats.

Additionally, the wellness add-on will reimburse for exam fees and other preventive/routine care vet costs.

ASPCA Pet Health Insurance coverage details chart:

Use Any Vet
Use Any Vet
Covered
Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.
Illnesses
Illnesses
Illnesses that your pets might encounter
Covered
Cancer
Cancer
Includes coverage for cancer-related treatments like chemotherapy and radiation treatment.
Covered
Breed-Specific Conditions
Breed-Specific Conditions
Covered
Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Covered
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.
Covered
Condition that requires ongoing care.
Covered
A disease that affects an animal's hip joint.
Knee Injury
Covered
Accidents
Accidents
Intravenous (IV) Fluids and Medications
Covered
Medical Supplies (bandages, casts, and splints)
Covered
MRI Scans
Covered
CT Scans
Covered
X-Rays
Covered
Ultrasound
Covered
Blood Tests
Covered
Urinalysis
Covered
Surgery
Covered
Hospitalization
Covered
Dental
Dental
Dental Coverage for Tooth Extractions
Covered
Dental Coverage for Illness-Related Cleaning
Covered
Dental Coverage for Periodontal Disease
Covered
Dental Coverage for Cysts, Enamel, and Unerupted Issues
Covered
Dental Coverage for Deciduous Teeth Issues
Covered
Alternative Therapies
Alternative Therapies
Covered
The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
Covered
The insertion of small needles to cause a desired healing effect.
Covered
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.
Covered
Chiropractic adjustments include spinal manipulation and/or manual therapy.
Covered
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.
Covered
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).
Behavioral Issues
Behavioral Issues
Covered
A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
No
Costs and payments related to obedience or training classes, including puppy classes.
Costs and payments related to training for behavioral disorders.
No
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.
No
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.
Prescribed Foods + Medication
Prescribed Foods + Medication
Covered
Prescription medications are approved by your vet for the treatment of your pet's ailment.
Covered
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
No
Foods prescribed by your veterinarian for general health maintenance or prevention.
Exam Fees
Exam Fees
Exam Fees for a Covered Occurrence
Covered
Poison
Poison
Poison Control Consultation Fees
Covered
Supplements For Covered Conditions
Supplements For Covered Conditions
Supplements prescribed or dispensed by a veterinarian to treat a covered condition.
Covered
Vet Labor
Vet Labor
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
Covered
Other
Other
Stem Cell Therapy
Covered
Covered
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.
No
Reimbursements for advertising costs for a lost pet.
No
Reimbursements for offering a reward for a lost pet.
No
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.
Covered
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
Covered
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Breeding, Pregnancy, Whelping or Nursing
No
Complications from Breeding, Pregnancy, Whelping, or Nursing
No

What’s Not Covered

The ASPCA® Pet Health Insurance program doesn’t cover breeding costs, pregnancy costs, or cosmetic procedures (including tail docking, ear cropping, claw removal, etc). Additionally, preventive care and routine care will not be included in your coverage unless you purchase their wellness add-on (see below).

Like all pet insurance companies, ASPCA® Pet Health Insurance does not cover medical expenses related to a pre-existing condition (any medical condition/issue that exists before benefits go into effect).

Pre-existing Conditions

While pre-existing conditions are not covered by ASPCA’s pet insurance, they don’t exclude you from being eligible for pet insurance. Pets with pre-existing conditions should still consider coverage in case other injuries or illnesses arise.

🧡 RESOURCE: Options For Pre-Existing Conditions

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.

Routine Care/Wellness Add-Ons

The ASPCA’s wellness plan add-on can reimburse preventive and routine care services like vaccinations, annual checkups, dental cleaning, deworming, and more.

There are two plan add-ons to choose from: Basic Preventive Care and Prime Preventive Care.

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 Preventive 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
How To Compare Plans Compare Quotes

How Much Does It Cost?

Some see plans as low as $16/mo and others see plans at $52/mo or higher. The cost for ASPCA’s pet insurance varies significantly based on your pet's breed, age, gender, and the zip code you live in.

Breed & AgeInsurance Monthly Cost
Chihuahua
Chihuahua
6 months old puppy
New York City - $69
Birmingham - $41
Los Angeles - $46
Chihuahua
Chihuahua
5 years old dog
New York City - $83
Birmingham - $50
Los Angeles - $56
Domestic Shorthair
Domestic Shorthair
6 months old kitten
New York City - $40
Birmingham - $25
Los Angeles - $31
Domestic Shorthair
Domestic Shorthair
5 years old cat
New York City - $47
Birmingham - $30
Los Angeles - $37
Golden Retriever
Golden Retriever
6 months old puppy
New York City - $111
Birmingham - $66
Los Angeles - $75
Golden Retriever
Golden Retriever
5 years old dog
New York City - $135
Birmingham - $81
Los Angeles - $91
Maine Coon
Maine Coon
6 months old kitten
New York City - $44
Birmingham - $28
Los Angeles - $34
Maine Coon
Maine Coon
5 years old cat
New York City - $52
Birmingham - $33
Los Angeles - $40

Deductibles, Reimbursement Rates, and Payout Limits

Your premium (what you pay each month) is also determined by the deductible, reimbursement rate, and payout limit you select.

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 insurance costs, but you’ll end up paying more for veterinary care.

ASPCA® Pet Health Insurance offers annual deductibles of $100, $250, $500, and $1000. Reimbursement rates offered include 70%, 80%, 90%, and recently even up to 100%. Generally, this plan works on a max payout per year (rather than per incident) and coverage limits range from $2500, $5000, $10000, $15000, and even unlimited.

💡 NOTE: You can find an ASPCA® Pet Health Insurance policy that fits your budget and unique coverage needs by using Pawlicy Advisor today.

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. Contact us at fetch@pawlicy.com to get your veterinary practice set up with the best pet insurance discounts and deals.

Reviews & Ratings

As of 2021, ASPCA’s pet insurance has an average rating of 4.4 out of 5 stars on Trustpilot (from 2385+ reviews). 82% of these reviews submitted rated the experience “excellent.” The company’s underwriter, Crum & Forster Pet Insurance Group, has an A+ rating on the Better Business Bureau (BBB).

💡 NOTE: Keep in mind that 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 - use Pawlicy Advisor.

Leave A Review

Customer Service Contact Info

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.

The Verdict: Is ASPCA’s Pet Insurance Good?

Yes, 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.

They’re also an official Pawlicy Advisor partner - which means they’ve passed our analysis to be included on our marketplace.

Of course, being a part of the ASPCA family is also a fantastic way to support their mission in protecting animals.

What makes ASPCA® Pet Health Insurance worth it?

The ASPCA® Pet Health Insurance program includes some benefits that other insurers lack, which might make it worth it for you.

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, although it doesn’t cover pre-existing conditions. The plans do cover alternative therapies, behavioral issues, and prescription food and supplements, which other providers often charge as additional add-on features. Your ASPCA pet insurance plan will work at any licensed vet clinic or animal hospital in the US.

They’re also one of the few providers who now offer 100% reimbursement (after your deductible is met).

How does the price compare to other plans?

The ASPCA’s plans are on par with other competitive rates. Pet owners can build custom plans to fit anyone’s budget.

Use Pawlicy Advisor to find, compare, and customize a range of affordable ASPCA coverage options.

Is ASPCA Pet Health Insurance The Best?

There is no one-size-fits all, so the best pet insurance will depend on your pet’s breed, age, location, and your own specific preferences.

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.

Compare ASPCA to Other Top Providers:

See more pet insurance companies/reviews here.

Vet Recommendations

Veterinarians recommend using Pawlicy Advisor to compare top providers and get the best pet insurance. There’s simply too many variables for any one person to truly understand what coverage is best for their pet’s breed, age, and location - and what’s most cost-effective across the hundreds of policy variations that exist.

If you work at a veterinary practice or animal hospital and don’t have access to Pawlicy Advisor’s free client education yet, you can get your team set up here.

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