ASPCA Pet Insurance Review 2025

ASPCA earned 5 stars out of 5 for overall performance, thanks to its wide-ranging and customizable coverage. ASPCA’s base accident and illness plan covers things some other insurers don’t. For example, it'll pay for alternative treatment, prescription food, behavioral therapy and microchipping.

ASPCA appears on NerdWallet’s list of the Best Pet Insurance Companies. It's also the pet insurance provider for Travelers, one of the largest auto insurers in the nation.

ASPCA offers three types of insurance.

Accident and illness coverage

ASPCA’s accident and illness plan is called Complete Coverage. While some other pet insurers limit older animals to accident-only coverage, ASPCA’s accident and illness plan has no upper age limit.

ASPCA’s Complete Coverage plan for cats and dogs is one of the most comprehensive in the industry. It includes:

• Exams, treatment, hospitalization and surgery for injuries and illnesses, including cancer and diabetes.

• Prescription medication, food and supplements used to treat a covered condition.

• Hereditary and congenital conditions.

• Microchip implantation.

• Alternative treatments such as acupuncture and chiropractic care.

• Behavioral therapies.

• MRIs, ultrasounds and X-rays.

• Stem cell therapy.

• End-of-life expenses.

ASPCA's accident, colic and illness plan for horses covers:

• Tooth extractions.

• Prescription medication and medical supplies.

• Hospitalization, surgery, exam fees and diagnostic tests.

• Poison control fees.

• Cancer treatments, including chemotherapy and radiation.

• Treatments for colic.

• Microchip implantation.

• Euthanasia.

• Intravenous fluids and medications.

Accident-only coverage

ASPCA’s accident-only plan for dogs and cats covers expenses related to accidents such as bites, broken bones and swallowed objects.

For horses, ASPCA sells a plan that covers only accidents and colic.

Preventive care

You can add ASPCA’s preventive care package to your Complete Coverage or Accident-Only plan. (You can't buy it separately.)

There are two preventive care plans for cats and dogs: Basic and Prime. For horses, your choices are Routine and Platinum. Each one has a list of services and an annual maximum payout amount for each.

ASPCA’s Preventive Care for cats and dogs covers routine procedures based on the option you choose. These services may include:

• Dental cleaning.

• Flea and heartworm prevention.

• Vaccinations and titers.

• Annual exam.

• Blood screening.

• Fecal screening and urinalysis.

• Spay or neuter surgery.

Similarly, ASPCA’s Preventive Care for horses covers routine procedures outlined in the policy you choose. These services may include:

• Wellness exam.

• Dental floating.

• Blood, fecal and coggins tests.

• Vaccinations and titers.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

» MORE: What does pet insurance cover?

The exclusions in ASPCA’s plans are fairly standard in the pet insurance industry. The Complete Coverage plan won't cover:

• Pre-existing conditions, except for curable conditions that haven’t recurred in at least 180 days. This exception doesn’t include knee or ligament issues.

• Certain dental procedures, including cleanings (unless used to treat a covered illness).

• Boarding costs.

• Experimental treatments.

• Breeding costs.

• Cosmetic procedures.

• Funeral-related costs.

• House-call fees.

• Herbal products such as cannabis (CBD).

• Non-medical supplies like toys or bedding that don’t treat a condition.

• Organ or heart valve transplants.

• Prescription supplements or diets used for prevention or general health, including weight loss.

The Accident-Only plan won't cover any of the above exclusions or treatment for any illnesses. Preventive care add-ons won't pay for anything besides the services listed in your policy.

» MORE: Is pet insurance worth it?

You can customize your policy with different deductibles, reimbursement amounts and coverage limits.

Deductibles

A pet insurance deductible is the amount of your vet bills you need to pay before your plan begins reimbursing you. There’s no deductible for preventive care coverage. For cats, dogs and horses on all other plans, ASPCA offers three annual deductible options when buying a policy online: $100, $250 or $500. You can call the company to ask about other choices.

Reimbursement amounts

You can choose to be reimbursed for 70%, 80% or 90% of your vet bills with most of ASPCA’s policies. The exception is the Preventive Care add-on, which pays up to an annual limit for each procedure.

Coverage limits

You can set your annual coverage limit anywhere from $2,500 to $10,000 when buying the Complete Coverage plan for cats and dogs online. The same online limits apply to the Accident-Only policy for cats and dogs.

Coverage limits are slightly different for horses. For plans other than Preventive Care, you can choose coverage limits of $3,000, $5,000 or $7,000.

Unlike some other pet insurance companies, ASPCA doesn’t offer an unlimited annual benefit online. However, you may be able to get this benefit by phone.

For all animals, Preventive Care add-ons have set annual maximums for each covered procedure.

Age restrictions: Your pet is eligible for an ASPCA pet insurance plan as long as it’s at least 8 weeks old. There's no upper age limit for cats and dogs, but older horses may be eligible only for colic and accident coverage.

Waiting periods: A pet insurance waiting period is the time between when you buy your policy and when your coverage begins. ASPCA’s preventive care coverage starts right away. Illness and accident coverage has a 14-day waiting period. Unlike some other insurers, ASPCA doesn’t make you wait months for knee injuries or other orthopedic issues to be covered.

» MORE: Best pet insurance that covers dental issues

The cost of ASPCA pet insurance depends on where you live, the coverage limits you choose, and your pet’s breed and age.

Sample rates

To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog and cat breeds at ages 2 and 8 in Katy, Texas. Our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.

Discounts

You can save 10% by insuring more than one pet with ASPCA. People who work in a veterinary office may also be able to save 10%.

» MORE: The best cheap pet insurance

ASPCA pet insurance is available to cats and dogs in all 50 states and Washington, D.C. Horse insurance plans have more limited availability.

Availability may change at any time. Coverage may not be available to all pets in a given state.

Website: ASPCA’s pet insurance website lets you pay your bill, submit and track claims, and manage your policy. It also provides sample policies and comparisons with other pet insurance plans. You can get a quote online in most cases, but if you want unlimited coverage, you’ll need to call.

Mobile app: You can use ASPCA’s app to find a local vet, pay bills, submit and track claims, and update contact information. However, the app’s mediocre ratings suggest that some users don’t find it to be a seamless experience.

You can submit a claim online, on the ASPCA app, or by email, standard mail or fax. After that, you can track your claim online or through the app. ASPCA will also reach out by email throughout the claims process. You’ll receive your payment either through direct deposit or by check. ASPCA processes most claims within 30 days.

When calculating your claim payout, ASPCA subtracts your deductible from the vet bill before applying your reimbursement percentage. This results in a bigger payout for you than the method some other pet insurers use.

Here’s how the math would work if you had a $2,000 vet bill, a $500 deductible and an 80% reimbursement rate.

Phone: You can call customer service at 866-204-6764. For questions about your pet’s health, you can log in to your member portal to access a 24/7 veterinary help line.

Email: ASPCA’s customer service email address is cservice@aspcapetinsurance.com.

» MORE: How much does pet insurance cost?

Here’s how ASPCA stacks up against three other popular pet insurance companies.

ASPCA vs. Nationwide pet insurance

The biggest differences between ASPCA and Nationwide pet insurance are:

What’s included. ASPCA’s Complete Coverage plan includes comprehensive coverage by default, while Nationwide lets you pick and choose the coverage you want. For example, if you’d like coverage for behavioral issues or prescription food, you may have to call and request it from Nationwide.

Who’s covered. In addition to dogs and cats, ASPCA offers plans for horses. Meanwhile, Nationwide can cover a wide range of pets such as rabbits, birds and mini pigs.

» READ MORE: Nationwide pet insurance review

ASPCA vs. Embrace pet insurance

The primary differences between ASPCA and Embrace pet insurance are:

Coverage for prescription food and supplements. Embrace doesn’t cover prescription food and supplements unless you buy a wellness plan. ASPCA includes the coverage in its accident and illness plan as long as the food treats a covered condition.

Accident-only plan. ASPCA offers an accident-only plan to any pet, including younger ones. Embrace’s accident-only plan is mostly for pets 15 years old and above.

» READ MORE: Embrace pet insurance review

ASPCA vs. Healthy Paws pet insurance

The main differences between ASPCA and Healthy Paws pet insurance are:

Coverage. Healthy Paws doesn’t cover certain things ASPCA does, like prescription food and the vet’s exam fee when your pet is sick or injured. Healthy Paws also doesn’t cover hip dysplasia for pets enrolled at age 6 or older.

Wellness plans. If you’re looking for a plan that covers checkups and vaccines, ASPCA is the better choice. Healthy Paws doesn’t offer preventive care coverage.

» READ MORE: Healthy Paws pet insurance review

• See all of NerdWallet’s pet insurance reviews

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