ASPCA Pet Health Insurance

ASPCA Pet Health Insurance Reviews

ASPCA Pet Health Insurance Reviews

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Overall Rating4.6 out of 5
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About ASPCA Pet Health Insurance Reviews

ASPCA Pet Health Insurance helps with costly and unexpected pet illnesses and injuries, which gives you the comfort of knowing you can give your pets the care they need when they need it without the burden of a large vet bill hanging over your head. The process is simple and convenient and your reimbursement can cover up to 90% of your covered bill.

Pros & Cons


  • Exam fees included
  • No age restrictions
  • No networks


  • Preventative care costs extra

Bottom Line

ASPCA Pet Health Insurance provides injury and illness coverage for animals. While preventive care coverage is optional and costs extra, the insurance offers comprehensive coverage options and a simple, quick claim process.

Featured Reviews

Oxford, PA

My horse sustained what would have been a life-ending injury had I not had ASPCA Pet Health Insurance. Instead, he has not only survived but he is anticipated to return to FULL AT...

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Darien, CT

Claims are responded to very quickly. No problems, no headaches. Claims are easy to submit and monitor online, making the process simple. Very happy with ASPCA Pet Insurance and w...

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ASPCA Pet Health Insurance plans

ASPCA Pet Health Insurance offers two main plans: Complete Coverage and Accident-Only Coverage. For all plans offered by the ASPCA Pet Health Insurance Program, you can visit any vet, specialist or emergency clinic — no need to worry about networks. Simply get your pet the help they need when they need it then submit your claim at a later date.

  • Complete Coverage: The ASPCA Pet Health Insurance core offering is the Complete Coverage plan, which covers accident, illness, hereditary and behavioral issues. Cost varies based on your plan elections.
  • Accident-Only Coverage: For around $20 a month with a $5,000 limit, accident-only coverage is available to cover the fees associated with diagnosis and treatment of accidents like broken bones, cuts, wounds and toxic ingestion.
  • Preventative add-on: While preventative care is not covered under a regular plan, you can add-on preventive care for between $10 and $25 extra a month.

What does ASPCA Pet Health Insurance cover?

Coverage includes exam fees, diagnostics and treatments under the categories below. The ASPCA Pet Health Insurance Program advertises covering most advanced treatments, including conventional treatments like chemotherapy and surgeries, as well as less common treatments like stem-cell therapy and acupuncture.

  • Accident: Accident coverage deals with costs associated with injuries like broken bones, torn ligaments, toxic or foreign object ingestion, cuts and other wounds that require emergency treatment.
  • Illnesses: Covered illnesses include cancer, arthritis, allergies, hypothyroidism, digestive problems and UTIs.
  • Hereditary and Congenital Conditions: Your pet is covered for inherited conditions that present later in life, such as heart disease, eye disorders and hip dysplasia.
  • Behavioral Issues: The program covers visits for concerns related to issues like anxiety, compulsion, excessive licking or other destructive behaviors.

ASPCA Preventative Care coverage

If you elect the Preventative Care add-on, coverage is also available for the following items, depending on which options you select.

  • All
    • Annual exam
    • Heartworm test or FELV screen
    • Spay/neuter
    • Wellness blood screening
    • Microchip
    • Urinalysis
    • Heartworm/flea prevention
    • Fecal screen
    • Dental cleaning
  • Dogs
    • Canine Bordetella vaccine/titer
    • Rabies vaccine/titer
    • Lyme vaccine/titer
    • Canine DHLPP vaccine/titer
  • Cats
    • Rabies vaccine/titer
    • FIP vaccine/titer
    • Feline FVRCP vaccine/titer
    • Feline FELV vaccine/titer

What’s not covered

ASPCA Pet Health Insurance does not cover preexisting conditions, breeding costs or cosmetic procedures like tail docking, ear cropping and claw removal under the Comprehensive Plan. Preventive care is only available as an add-on service for an extra fee. The organization includes the following list of exclusions on its site.

  • Anal gland expression
  • Boarding
  • Breeding/pregnancy
  • Cosmetic procedures
  • Dental services
  • Elective procedures
  • Experimental treatments
  • Funeral services
  • Grooming
  • Herbs
  • House calls
  • Illness or injury related to neglect
  • Ligament and knee conditions
  • Non-medical supplies
  • Non-veterinary services
  • Organ transplants
  • Pre-existing conditions
  • Prescription food
  • Preventative care
  • Supplements and vitamins
  • Training
  • Treatment related to epidemics or pandemics

ASPCA Pet Health Insurance cost

The average price for the ASPCA Pet Health Insurance Complete Coverage plan for one pet is $35 per month. The cost increases or decreases based on your selection for annual limit, deductible and reimbursement percentage — all of which are customizable.

Annual deductible: Choose from $100, $250 or $500. The higher the deductible, the lower your monthly premium. However, the lower the premium, the more you’ll pay out of pocket per claim.

Reimbursement percentage: Choose from 70%, 80% or 90% reimbursement. This is the amount you receive back on your vet bill after paying your deductible.

Annual limit: Choose from $5,000, $10,000, $15,000, $20,000 or unlimited annual limits. This is the total amount ASPCA reimburses you per 12-month period.

Annual limitDeductibleReimbursementMonthly cost
$5,000 limit$50070%$25.66
$15,000 limit$25080%$45.21

ASPCA Pet Health Insurance FAQ

Does ASPCA Pet Health Insurance cover spaying?

Spaying and neutering are included under the preventative care add-on insurance option but is not covered under ASPCA’s standard Complete Coverage plan.

Does ASPCA Pet Health Insurance cover preexisting conditions?

No. Preexisting conditions are not covered under any of the ASPCA plans. However, certain hereditary conditions that develop later in life, like hip dysplasia and eye issues, are covered under the Complete Coverage plan.

Is there a waiting period with ASPCA Pet Health Insurance?

Yes. All policies have a 15-day waiting period before they go into effect.

Does ASPCA Pet Health Insurance have an app?

Yes. The ASPCA Pet Health Insurance app is called “My Pet Insurance,” and allows you to submit and track claims from anywhere.

Do we recommend ASPCA Pet Health Insurance?

Pet care can be expensive and rarely ever thought of until it is needed. A service like the ASPCA Pet Health Insurance can help reduce the cost of an ill-timed vet emergency. With vet costs averaging between $200 and $400 a year, these bills can start to stack up. In the event your pet needs major surgery or emergency care, pet insurance can be the difference between getting your pet the care they need and being forced into tougher monetary decisions.

ASPCA Pet Health Insurance Reviews

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Verified purchase
Claims Handling

Reviewed Sept. 13, 2023

ASPCA is good. I adopted a newer dog earlier this year, and I didn't realize that I hadn't added the preventative coverage. I don't remember seeing it to click on it. All my other dogs have had it, so I thought it was just gonna flow together, but it didn't. So, I have to wait until the renewal next year to add that. Having the insurance is one of the best things that we've done for them. My dogs have had several surgeries, different conditions, and we are constantly at the doctor's office with them. So, it has greatly helped. The only real issue I have is the processing time for claims that it can extend to a month or more. I do recommend them. My sister has a policy for her dog because I recommended.

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ASPCA Pet Health Insurance
Response from ASPCA Pet Health Insurance

Hi Samantha, we appreciate your thoughtful review and insightful feedback. Give your pups some extra treats from us!

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    Customer ServiceClaims HandlingStaff

    Reviewed Aug. 17, 2023

    I wanna thank the staff that have helped out. I have a very sick dog, and I've filed a lot of claims because she has had so many challenges. She's got about four diseases that she's been fighting, and it's been about two years now. She's still with us, but a lot of things I couldn't do if I didn't have the insurance. Recently, I filed four claims in two weeks. They were gummed up a little, so I called on Friday last week and talked to someone. She said, “I'll look into this and I'll put a tag on it.” That makes me feel good. I'm not being blown off and I'm treated with compassion. They were on it, and I got reimbursed today.

    ASPCA has been great. They've been easy to work with, and they even ask about my dog when I call if I have a question. I usually process my claims online with the app, and I've had, for the most part, good success with that. I have full coverage so I'm very happy with it. I pay quite a bit now because my dog's elderly. It's not the cheapest thing on earth, but it has helped me financially and I get 80% reimbursement.

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    Response from ASPCA Pet Health Insurance

    Hi Robert, thank you for sharing your experience and leaving such a thoughtful review. We appreciate it!

    Verified purchase

    Reviewed Jan. 26, 2023

    I would highly recommend ASPCA Pet Health Insurance to anyone with a pet. We never expected to have to use it, but one of our cats quickly became sick and would not eat. We had to take him to the emergency vet hospital because it was Christmas Eve. He was in the hospital for 3 days and they helped him to recover fully! We submitted the claim to ASPCA about two weeks week later and about 2 weeks after that they deposited almost the full amount in my checking account (less the deductible and 10% co-insurance). No questions asked! And this was a $2500 bill!! I am thankful that we signed up for pet insurance and I am thankful we chose the right company...ASPCA Pet Health Insurance! THANK YOU!!

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    Response from ASPCA Pet Health Insurance

    Hi Amy, thank you for taking the time to submit such a kind review! We appreciate it.

    Claims Handling

    Reviewed Dec. 2, 2022

    I can honestly say that carrying insurance on my pets has been the greatest decision I've made as a responsible pet owner. I have had pet accident insurance with an additional rider for preventative care for my Corgi since I got her 4 years ago. It's nice to be able to file claims on the preventative care items with that additional coverage, but I've never been more thankful for this insurance until recently. She started needing treatment for skin allergies and then had an ACL tear and needed a very specialized and very expensive orthopedic surgery to repair the joint. I am sure I would have needed to take out a small loan to pay for all the treatment she needed if it weren't for this insurance plan. In addition to helping with vet bills tremendously, I am always impressed at both the ease of filing a claim and the speed in which claims are processed and reimbursement payment is issued. I'd recommend this insurance to anyone who has a pet!

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    Response from ASPCA Pet Health Insurance

    Hi Mandy, thank you for taking the time to submit such a kind review! We appreciate it. Please, give your four-legged friends some extra treats from us!

    Customer ServiceClaims Handling

    Reviewed Nov. 21, 2022

    When I first started their service things were very slow to process. But now after 2 years they have really improved! Their records are in place so they aren’t asking me constantly for my pet’s medical records and processing my claims is very fast. I have talked to customer service before and they were very helpful in getting things resolved when a claim didn’t go my way. I have a lot of pets and this year has been tough on their health so I am so happy to have an easy insurance that is keeping my pets healthy and my bank account safe.

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    Response from ASPCA Pet Health Insurance

    Hi Addi, thank you for taking the time to submit such a kind review! We appreciate it.

    Verified purchase

    Reviewed Sept. 16, 2023

    Everything was really good. It was a very simple online process. Their cost and coverage are the best that I've found so far.

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Ayla, thank you for leaving a kind review - we appreciate it!

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    Claims HandlingStaff

    Reviewed Sept. 13, 2023

    It's taking a really long time to get claims done. This month, I had $1,500 in claims. I needed that cash and it took about 33 days. When I first got this insurance, the claims process would take a week. But they overall have been really good.

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    Response from ASPCA Pet Health Insurance

    Hi Hylan, we are sorry to hear you are experiencing some delays and are sending this to our team for review. Also, thank you for taking the time to leave a thoughtful and kind review - we appreciate it!

    Verified purchase

    Reviewed Sept. 10, 2023

    ASPCA has done a lot for us. My dog has had 2 surgeries and very little has come out of our money. I would strongly recommend to get the insurance from aspca. Thank you aspca. Without this insurance I don't know what we would have done. I did not want to see her suffer and I didn't want to put her to sleep. She had a knee replacement and everything came out perfect. Thank you again ASPCA.

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    ASPCA Pet Health Insurance
    Response from ASPCA Pet Health Insurance

    Hi Fred, we appreciate the thoughtful review and are happy to hear that we could help - thank you!

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    Customer ServiceStaff

    Reviewed Sept. 7, 2023

    ASPCA has been such a great investment. They genuinely care about your pets and are very responsive if you need someone live to talk to via phone or email. You also get some coverage for ASPCA poison control. Sometimes it takes awhile to get reimbursed (about a month in some cases). Other than that we love ASCPA for our corgi Kaia.

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    Response from ASPCA Pet Health Insurance

    Hi, Kiana! We appreciate the kind words - give Kaia an extra belly rub from us!

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    Verified purchase
    Claims Handling

    Reviewed Aug. 31, 2023

    ASPCA is wonderful. Every time I have a claim, it's so easy. I just get the receipt from my vet, load it in, and answer all the questions. They're really quick too. I highly recommend this insurance. It has a good return on investment.

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    Response from ASPCA Pet Health Insurance

    Hi, Silvia! We appreciate the kind words – give your pet some extra treats from us!

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    ASPCA Pet Health Insurance Company Information

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    ASPCA Pet Health Insurance
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