| 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 |
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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.
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.
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.
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.
| 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 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:
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:
Accidents:
Illnesses:
Hereditary & Congenital Conditions:
Behavioral Issues:
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:
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:
Just like other pet insurers, ASPCA does not cover every incident and condition. The following scenarios are not covered by ASPCA policies:
ASPCA applicants can alter the following policy details to either lower their coverage pricing or widen their coverage inclusions:
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.
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.
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:
| 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
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:
| 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 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:
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.
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.
