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ASPCA Pet Insurance Review 2023

Known widely for its role as an animal welfare organization, the American Society for the Prevention of Cruelty to Animals (ASPCA) also offers affordable pet insurance plans to dog and cat owners living in the United States. ASPCA policyholders can see any licensed vet in the United States or Canada and receive up to 90% in veterinary bill reimbursements for covered treatments. ASPCA pet insurance policies can be customized on a variety of factors, including deductibles, reimbursement rates, and annual maximums.

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  • See any licensed vet in the US or Canada
  • 10% discount with second pet
  • Accident-only, complete, and preventive coverage options
  • Free companion app for easy claims

Our Summary

We often recommend ASPCA pet insurance for its customizability and convenience. Even though ASPCA’s 156-year history as an anti-animal cruelty organization is impressive, ASPCA’s customizable pet insurance stands on its own four legs.

Pet parents can choose their deductible, reimbursement rate, and annual coverage maximum, making it easy for anyone to afford great coverage for their dog or cat. ASPCA also features a free companion app, allowing policyholders to file a claim, chat with customer service, seek out poison control in a pet emergency, and do so much more from anywhere.

About ASPCA Pet Insurance

ASPCA pet insurance offers three different coverage options: accident-only, accident and illness, and a preventive add-on. ASPCA’s accident and illness coverage protects policyholders from the financial burden of vet bills stemming from scenarios such as exam fees, cancers, hereditary conditions, behavioral issues, broken limbs, and more. With the preventive add-on, pet parents can cover annual wellness exams, vaccines, and testing screenings for only a few more dollars a month.

How Does ASPCA Pet Insurance Work?

If you’re interested in signing up for ASPCA pet insurance, the first step is to get a free quote from the ASPCA website. In just about two minutes, you’ll be presented with ballpark pricing for your dog or cat, as well as the option to add their preventative care package.

Interested applicants can simply submit their quote for approval: no need to fill out any additional questionnaires or visit a vet. In most cases, approvals are instantaneous; applicants can see their final pricing, pay, and activate their coverage.

Full coverage benefits do not kick in until after the 14-day waiting period. During this time, any illnesses, accidents, or other scenarios will not be covered. Preventive care, on the other hand, begins on the first day of activation.

After the 14-day waiting period, you can submit a claim when your pet visits a licensed vet. All you have to do is get a copy of the bill, upload it to the free ASPCA app or through the ASPCA online portal, and then (if you meet coverage requirements) wait for reimbursement via direct deposit or check.

ASPCA Pros and Cons

Pros Cons
Multiple coverage options available 14-day waiting period
A+ rating on Trustpilot Coverage annual maximum caps out at only $10,000
Customizable policy details

ASPCA Pet Insurance Plans

ASPCA offers four pet insurance plans: Accident-Only, Accident and Illness, Basic Preventive Care (add-on), and Prime Preventive Care (add-on).


ASPCA’s accident-only pet insurance policy is their most affordable option, intended to help provide financial coverage if your pet gets injured accidentally, rather than through an illness.

Accident-only coverage covers the cost of accidents and emergencies, such as:

  • Broken bones
  • Bite wounds, cuts
  • Abscesses
  • Lodged foreign objects
  • Toxic ingestions

Accident + Illness (Complete Coverage)

Accident and Illness coverage—what ASPCA calls its “Complete Coverage” plan—provides coverage for accidents as well as illnesses, genetic conditions (that are not pre-existing), and behavioral conditions. As it has a wider net of coverage than the accident-only plan, pet parents should expect to pay a bit more for the Compete Coverage plan.

Complete Coverage covers the cost of a variety of treatment scenarios, such as:


  • Broken bones
  • Bite wounds, cuts
  • Abscesses
  • Lodged foreign objects
  • Toxic ingestions


  • Diabetes
  • Hyperthyroidism
  • Respiratory issues
  • Digestive problems
  • UTIs

Hereditary & Congenital Conditions:

  • Kidney disease
  • Heart disease
  • Eye disorders
  • Hip dysplasia

Behavioral Issues:

  • Excessive licking
  • Fur pulling
  • Destruction of the home

Preventive Care Options

As well as its two pet insurance plans, ASPCA offers two preventative care add-on packages: basic and prime.

Basic Preventative Care

Basic Preventive Care, as the name suggests, is the simpler, less expensive option of ASPCA’s two preventative add-on plans. Designed to cover the types of treatments that prevent your pet from getting sick or hurt (an estimated $250 annual value), Basic Preventive Care can be added on to any ASPCA pet insurance plan for an additional cost per month.

Basic Preventive Care covers preventative treatments such as:

  • Fecal Test
  • FeLV Test
  • FVRCP Vaccine/Titer
  • Rabies or FIP Vaccine/Titer
  • Dental Cleaning
  • Wellness Exam
  • Deworming

Prime Preventive Care

Prime Preventive Care is the second, more robust preventive care add-on from ASPCA. For a higher cost per month, pet parents can get covered for the majority of preventive treatments necessary (for an estimated value of $450 annually).

Prime Preventive Care covers preventative treatments such as:

  • Blood Test
  • Urinalysis
  • FeLV Vaccine
  • Health Certificate
  • Flea/Heartworm Prevention
  • Fecal Test
  • FeLV Test
  • FVRCP Vaccine/Titer
  • Rabies or FIP Vaccine/Titer
  • Dental Cleaning
  • Wellness Exam
  • Deworming

What’s Not Covered

Just like other pet insurers, ASPCA does not cover every incident and condition. The following scenarios are not covered by ASPCA policies:

  • Pre-Existing Conditions: Any medical condition that has an onset before or during the end of the 14-day waiting period will be considered a pre-existing condition and will not be covered.
  • Breeding Costs: Costs associated with breeding and pregnancy are not covered by ASPCA.
  • Cosmetic Procedures: Treatments completed for an aesthetic purpose such as tail docking, ear cropping, and claw removal are not covered.

ASPCA Coverage Options and Customizability

ASPCA applicants can alter the following policy details to either lower their coverage pricing or widen their coverage inclusions:

  • Deductible: A deductible is an amount a policyholder must pay out of pocket before their vet bills can be reimbursed. Applicants can choose three annual deductibles:
    • $100
    • $250
    • $500
  • Reimbursement Rate: The reimbursement rate is the percentage of a covered veterinary bill that will be reimbursed. Applicants can choose three:
    • 70%
    • 80%
    • 90%
  • Annual Maximum: The Annual Maximum is a limit on how the amount of reimbursement a policyholder can receive annually. Applicants can choose five:
    • $3,000
    • $4,000
    • $5,000
    • $7,000
    • $10,000

Restrictions and Waiting Periods

ASPCA policyholders must wait a 14-day waiting period before their Accident-Only or Accident and Illness coverage kicks in. Any conditions that occur before the end of the 14-day waiting period will be considered pre-existing conditions and not meet coverage requirements.

There is no waiting period for Preventive Care coverage.

How Much Does ASPCA Cost?

Pet insurance prices vary for each policyholder. When selecting your unique pricing, an underwriter takes a variety of you and your pet’s information into account: where you live, the gender of your pet, your policy details, and more.

ASPCA Dog Insurance

Unlike cat insurance, dog insurance pricing varies greatly by breed. For the following sample pricing, we kept our fictional pup’s age constant, but altered the breeds.

The following sample pricing is based on these policy assumptions:

  • $5,000 annual limit
  • 90% reimbursement rate
  • $250 deductible
  • 1-year-old
  • Male
  • Lives in Chicago, Illinois (60614)
Small Mix (<10 lbs.) Small Mix (11–25 lbs.) Medium Mix (26–50 lbs.) Large Mix (51–100 lbs.) Giant Mix (>100 lbs.)
Accident-Only $40.65/mo. $40.65/mo. $40.65/mo. $40.65/mo. $40.65/mo.
Accident + Illness $36.92/mo. $43.24/mo. $54.87/mo. $63.26/mo. $76.27/mo.
Accident + Illness + Basic Preventive Care +$9.95/mo +$9.95/mo +$9.95/mo +$9.95/mo +$9.95/mo
Accident + Illness + Prime Preventive Care +$24.95/mo +$24.95/mo +$24.95/mo +$24.95/mo +$24.95/mo

Prices accurate as of 11/18/2022

ASPCA Cat Insurance

Cat insurance tends to be the opposite of dog insurance: breeds do not alter the pricing very much. For the following sample pricing, we kept our fictional cat’s breed constant, but altered the ages.

The following sample pricing is based on these policy assumptions:

  • $5,000 annual limit
  • 90% reimbursement rate
  • $250 deductible
  • Domestic Shorthair (breed)
  • Male
  • Lives in Chicago, Illinois (60614)
8 Weeks–11 months old 1 year old 3 years old 6 years old 12 years old
Accident-Only $22.71/mo $22.71/mo $22.71/mo $22.71/mo $22.71/mo
Accident + Illness $27.84/mo $27.84/mo $27.84/mo $39.00/mo $99.97/mo
Accident + Illness + Basic Preventive Care +$9.95/mo +$9.95/mo +$9.95/mo +$9.95/mo +$9.95/mo
Accident + Illness + Prime Preventive Care +$24.95/mo +$24.95/mo +$24.95/mo +$24.95/mo +$24.95/mo

Prices accurate as of 11/18/2022

To learn your pet’s unique pricing, we recommend you get a quote directly from ASPCA’s website.

ASPCA Discounts

  • 10% Multi-Pet Discount: If you add a second pet to your ASPCA pet insurance plan, you get 10% off all premium charges for both pets.
  • ASPCA’s Consumer Experience

    ASPCA policyholders have access to the free companion app. Designed as a kind of pet insurance hub, policyholders can access a variety of helpful features in the app such as:

    • Submit claims
    • Track claims statuses
    • Pay bills
    • View billing history
    • Find a nearby vet clinic
    • Sign up for direct deposit
    • Review policy information
    • Find answers to FAQs
    • Contact customer support
    • Update contact information
    • Add a new pet onto a policy
    • Access poison control in an emergency

    ASPCA’s customer service team is available Monday through Friday, 8:00 AM–8:00 PM EST. Policyholders can reach out via app, email, or phone call.


    Does ASPCA cover pre-existing conditions?

    No, ASPCA does not cover pre-existing conditions.

    How long is the waiting period for ASPCA plans?

    ASPCA base coverage has a 14-day waiting period. ASPCA preventive coverage does not have a waiting period.

    Does ASPCA pet insurance have an app?

    Yes! ASPCA has a free companion app that makes it easy to submit claims, view your account details, find nearby veterinarians, and more.

    How do I cancel ASPCA pet insurance?

    Current policyholders can email ASPCA to cancel their pet insurance policy. If you’d like to end your policy, simply email [email protected] and include your reasoning for cancellation.

    The Bottom Line

    In addition to its name as the longest-running animal welfare organization in the United States, ASPCA offers customizable, convenient, and generous coverage. Pet parents can tweak their policy details, crafting the perfect policy for their budget. ASPCA’s helpful companion app makes it easy to access your account and keep your pet safe. Finally, ASPCA policies can cover illnesses, accidents, behavioral conditions, genetic disorders, and preventive care, just about everything you’d need to keep your pet safe.

    Frequently Asked Questions (FAQ)

    Your coverage will vary based on a few factors: the pet insurance company you choose, the coverage plan you pick, and the specific details of your unique contract. Always refer to your contract for coverage and limitations information. That being said, pet insurance coverage will typically cover illness, accident, behavioral issues, genetic conditions, chronic disorders, and alternative therapies recommended by a vet. Certain companies will offer add-on or bonus packages for preventive care protection. These packages often help pay for routine care, such as yearly vet visits, vaccines, testing, and de-worming.
    Yes! Many pet insurance companies will first divide their coverage by animal type: dogs, puppies, cats, and kittens. Pet insurance can be further divided by specific styles of coverage. Typically, these coverage plans are comprehensive, accident-only, and preventive. Comprehensive coverage covers illness, injury, behavioral issues, and more. Accident-only covers just that: accidents—it is almost always cheaper than comprehensive coverage. Preventive care pays for routine care and is usually featured as an add-on.
    Coverage prices will vary from customer to customer; as premiums, deductibles, and payouts are based on a customer’s unique contract. With that in mind, a monthly premium for comprehensive pet insurance will cost an average of $40–$60 a month. Accident-only coverage and preventive care coverage are a touch cheaper, averaging about $15–$25 per month.