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ASPCA Pet Insurance Review 2025
July 1, 2025
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Overview: Plans and Coverage
The ASPCA Pet Health Insurance program provides coverage for dogs, cats, and even horses – a unique inclusion among pet insurers. Policies are administered by a partner (C&F Insurance Agency), meaning the ASPCA itself doesn’t underwrite the insurance but collects royalties from each sale to support its animal welfare mission. With ASPCA’s Complete Coverage plan, you get accident & illness insurance that has no upper age limit for enrollment of cats or dogs. This plan is notably broad, covering many treatments that some other insurers exclude.
For example, ASPCA’s standard policy covers hereditary and congenital conditions, alternative therapies like acupuncture, behavioral issues, prescription medications, exam fees, and even microchipping. Such extensive coverage means pet parents won’t need to buy a bunch of add-ons just to get common services covered.
In addition to the main Complete Coverage (accident & illness) plan, ASPCA offers an Accident-Only plan for a lower cost. The accident-only option covers emergencies like broken bones or swallowed objects but won’t pay for illnesses (which the full plan would). It’s a budget-friendly choice if you only want catastrophic coverage.
There’s also an optional Preventive Care add-on (two tiers: Basic and Prime) that helps pay for routine wellness items like vaccines, dental cleanings, annual exams, and screenings up to a set annual limit. (However, keep in mind that wellness add-ons reimburse a fixed amount per item – if you don’t use all the included services, you might pay more in premiums than you get back in benefits.)
What’s not covered? Like all pet insurers, ASPCA does not cover pre-existing conditions (any illness or injury noted before enrollment) aside from curable issues that haven’t recurred for 180 days. Preventive care is only covered if you purchase the wellness add-on. Additionally, certain elective or non-medical expenses (e.g. grooming, breeding, food for general health, or vitamins) are excluded. These exclusions are fairly standard across the industry.
Pros and Cons
Pros:
- Generous coverage breadth (hereditary, congenital, alternative therapies, behavioral issues).
- Reimbursement up to 90% of vet bills after deductible.
- Deductible choices: $100, $250, $500.
- 14-day waiting period only – no extended orthopedic wait.
- 10% multi-pet discount.
- 24/7 vet telehealth hotline.
- Portion of premiums support ASPCA’s animal welfare mission.
Cons:
- Above-average premiums (~$50/month dogs, ~$22/month cats).
- Premiums rise as pets age.
- Unlimited annual coverage requires calling for a quote.
- Mobile app has mixed reviews (~2.9 stars).
- Claims processing can take up to 30 days.
- No coverage for chronic pre-existing conditions.
Pricing and Value
ASPCA Pet Insurance’s premiums vary based on breed, age, location, and chosen coverage options.
Generally:
- Accident-Only plans: start around $15–$20/month.
- Accident & Illness (Complete Coverage): about $50/month for dogs, $20–$25/month for cats.
Your costs depend on deductible ($100–$500) and reimbursement percentage (70%–90%). ASPCA also offers a 10% multi-pet discount. Its broad coverage (exam fees, alternative care, behavioral therapy) may save money in the long run compared to cheaper but narrower plans.
ASPCA Pet Insurance FAQs
Is ASPCA Pet Insurance worth it?
Yes, ASPCA Pet Insurance is worth considering if you value broad coverage and peace of mind. It’s not the cheapest option, but it covers more than many budget competitors.
Does ASPCA Pet Insurance cover pre-existing conditions?
No, ASPCA does not cover pre-existing conditions, except for curable issues that remain symptom-free for 180 days.
Is there a waiting period for ASPCA Pet Insurance?
Yes, there’s a 14-day waiting period for both accidents and illnesses. There is no extended orthopedic waiting period.
Can you use any vet with ASPCA Pet Insurance?
Yes, you can use any licensed veterinarian in the U.S. or Canada. No network restrictions apply.
Does ASPCA Pet Insurance offer any discounts or extras?
Yes, ASPCA offers a 10% multi-pet discount and free access to a 24/7 pet health hotline.
Conclusion
ASPCA Pet Health Insurance earns high marks for its broad coverage, flexible plan options, and the trusted ASPCA brand. It’s an excellent choice if you want premium coverage for peace of mind, though it may not be the cheapest option. To ensure you’re getting the best deal, compare quotes with Kudos and pick the plan that balances cost and coverage for your pet’s unique needs.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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