About
Over the past 20 years, they have insured more than 600,000 pets while processing more than 2.2 million claims through their insurance underwriters. Pet parents consistently highlight their positive experiences with claims being quick and easy to submit.
Coverage Offered by ASPCA® Pet Health Insurance program
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Price: |
Compare Quotes |
Overall Rating: |
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Total Reviews: |
7,959 |
Deductible: |
$100, $250, or $500* |
Reimbursement: |
70%, 80%, or 90% |
Annual Limit: |
$2,500 to Unlimited* |
Accident Waiting Period: |
14 days |
Illness Waiting Period: |
14 days |
Wellness Waiting Period: |
N/A |
Orthopedic Waiting Period: |
14 days |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Excluded |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Direct Vet Pay: |
No |
Claims Expiration: |
Within 270 days of treatment |
Claims Submission App: |
Yes |
The ASPCA® Pet Health Insurance program Accident and Illness Coverage
The accident and illness coverage from the ASPCA® Pet Health Insurance program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options*
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options*
$2,500 to Unlimited
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Accidents & Illnesses)**
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
*More deductible and annual limit options are available. You can contact the ASPCA® Pet Health Insurance program's customer care team to get an annual limit and deductible that works best for your individual needs.
**Coverage is included for tooth extractions resulting from covered accidents or illnesses. Routine dental cleanings and major procedures like root canals or crowns are not included in the base plan. Routine dental cleaning coverage is available with the Preventative Care Coverage add-on.
Preventative Care Coverage
The ASPCA® Pet Health Insurance program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Routine Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Routine Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Policy Exclusions
The ASPCA® Pet Health Insurance program will not pay for costs associated with or resulting from the following:
Dental Exclusions
Root canals, crowns, caps, fillings, and implants
Aesthetic, endodontic, or orthodontic dental services
Routine care, such as dental cleanings, unless required to treat a covered illness or purchased as a preventative care add-on
Non-Medical Services and Supplies
Boarding
Breeding, pregnancy, whelping, or nursing
Cosmetic and elective prostheses or procedures
Grooming or grooming supplies
House call fees, time, and travel expenses
Non-medical supplies such as toys, leashes, ramps, bedding, etc.
Training or training devices
Treatment and procedures
Experimental or investigational treatment
Funeral services, memorial items, urns, caskets, or burial plots/fees
Organ or heart valve transplants
Treatment arising from specific situations (e.g., avian influenza, intentional slaughter, epidemics or pandemics, war, etc.)
Preventative and General Health Maintenance
Conditions that occur during a waiting period
Dental cleanings, unless used to treat a covered illness
Preventative care without an occurrence
Prescription pet food, pet food used beyond symptom resolution
Miscellaneous Exclusions
Illness or injury from intentional, malicious, or grossly negligent activities
Ligament and knee conditions with pre-existing occurrences
Non-veterinary services and administrative fees
Pre-existing conditions
Veterinary expenses related to specific activities (coursing, organized fighting, law enforcement, etc.)
Treatment by a veterinarian who is you, a co-owner on your account, or an immediate family member
Requirements of Policy Holders
There are no enrollment exam requirements for coverage with the ASPCA® Pet Health Insurance program.
Claims
The ASPCA® Pet Health Insurance program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Customer Support
Hours
Monday - Friday: 8 am - 8 pm ET
Customer Reviews
Ratings |
Overall Customer Rating 7,959 Reviews |
3.6 out of 5 stars |
Reviews Summary |
Here’s what pet parents are saying about the ASPCA® Pet Health Insurance program across multiple review platforms, including ours. They value the insurer's reliable coverage, quick reimbursements, and compassionate service. From saving thousands on unexpected surgeries to offering affordable monthly plans, they earn trust by helping pet owners manage costly vet bills with ease. Check out some of our favorite reviews! |
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Sources |
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Insured by: ASPCA® Pet Health Insurance program
Here's what
Patricia thinks
"My dog has been insured by ASPCA® Pet Insurance for several years with no issues. We love them!"
Insured by: ASPCA® Pet Health Insurance program
Here's what
Babette thinks
"Very easy and considerate to work with when I was filing my claim for my Circe."
See full review
Insured by: ASPCA® Pet Health Insurance program
Here's what
Nicole thinks
"They reimbursed me 90% of a $11,200 vet bill in less than a week! We are forever grateful."
See full review
Insured by: ASPCA® Pet Health Insurance program
Here's what
Michael thinks
"Amazing insurance that saved my diabetic cat's life! It wasn't crazy expensive per month either."
See full reviewCompare
Compare ASPCA® Pet Health Insurance program Against Other Pet Insurance Companies
Wondering how the ASPCA® Pet Health Insurance program stacks up against other pet insurance providers? We compiled a list of comparison charts to highlight the differences between cost and coverage. For a better idea of what pet insurance coverage works best for you, start a quote.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our ASPCA® Pet Health Insurance program Review
Overview
Backed by the ASPCA® name, this pet insurance program provides customizable plans covering accidents, illnesses, hereditary conditions, and behavioral issues. There’s also the option to add preventive care coverage. The ASPCA® Pet Health Insurance program stands out for brand trust and flexibility, making it a solid choice for owners who want tailored coverage supported by a well-known animal welfare organization. You can use the ASPCA® Pet Health Insurance program at any licensed U.S. veterinarian.
What Reddit Is Saying
On Reddit, users note the ASPCA® Pet Health Insurance program’s trusted brand name and wide range of coverage options. Some mention it can be pricier than competitors, but many value the ability to customize plans to fit their pet’s needs.
How Much Does ASPCA® Pet Health Insurance Cost?
Your pet’s breed, age, and location all affect pricing. The best way to check ASPCA® Pet Health Insurance program prices is by getting a customized quote to see how much coverage will cost for your pet.
