ASPCA Pet Insurance Review 2024

ASPCA offers a policy covering accidents and illness, an accident-only plan and an optional wellness plan you can add on.
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Written by Kayda Norman
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Assigning Editor
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ASPCA

ASPCA Pet Insurance
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NerdWallet rating 

5.0

/5
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Annual max coverage

Unlimited

Reimbursement rates

70%, 80%, 90%

Deductibles

$100, $250, $500

Policy highlight

Broader coverage than most other plans.

Pros

  • Covers horses in addition to cats and dogs.
  • Standard plans cover alternative therapies, behavioral issues and congenital conditions.
  • Shorter waiting period than most plans for cruciate injuries (14 days).

Cons

  • You must call rather than getting an online quote if you’re interested in unlimited annual coverage.

ASPCA offers generous coverage and multiple plan options, including an accident-only policy.

About ASPCA pet insurance

5.0

NerdWallet rating 

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, such as alternative treatment, prescription food and supplements, behavioral therapy, and microchip implantation. ASPCA appears on NerdWallet’s list of the Best Pet Insurance Companies.

ASPCA is the pet insurance provider for Travelers, one of the largest auto insurers in the nation.

Pros

Covers horses in addition to cats and dogs.

Standard plans cover alternative therapies, behavioral issues and congenital conditions.

Shorter waiting period than most plans for cruciate injuries (14 days).

Cons

You must call rather than getting an online quote if you’re interested in unlimited annual coverage.

Choose ASPCA pet insurance if...

You’re looking for some of the most comprehensive coverage in the industry.

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

Plans and coverage

ASPCA offers three types of insurance, including one plan that covers a wide range of accidents and illnesses. If you’re looking for a cheaper option, ASPCA sells policies limited to accidents only. Although its policies don’t typically cover preventive care, it sells a wellness add-on for an extra cost.

Complete Coverage

ASPCA’s main plan covers both accidents and illnesses. It will reimburse you a certain percentage of your vet bill, up to your annual maximum and minus your deductible (the amount you need to pay before your insurer will start reimbursing you).

While some other pet insurers limit older animals to accident-only coverage, ASPCA’s accident and illness plan is available to all cats and dogs with no maximum age.

ASPCA’s Complete Coverage plan for cats and dogs 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, CT scans and X-rays.

  • Stem-cell therapy.

  • End-of-life expenses.

🤓Nerdy Tip

Some of the coverage ASPCA includes in its accident and illness plan would cost you extra from other insurers, or not be included at all.

ASPCA also offers a similar plan for horses that 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

This plan covers expenses related to accidents such as bites, broken bones and torn ligaments, and does not cover any treatments related to illness. Like Complete Coverage, the accident-only plan offers reimbursement for a percentage of your vet bill up to an annual limit, minus your deductible.

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

Preventive Care

ASPCA’s preventive care is an optional add-on you can include on your Complete Coverage or Accident-Only plan without a deductible or coinsurance. (You can't buy it separately.)

You can choose from different preventive care plans: basic and prime for cats and dogs, and routine and platinum for horses. Each one has a list of services and an annual maximum payout amount. You’ll pay for your pet’s procedure out of pocket, then submit a claim to ASPCA. The plan will reimburse you up to the covered amount.

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.

  • Urinalysis.

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.

🤓Nerdy Tip

Do the math before buying a wellness add-on. If you don’t use all the services in the plan, you might end up paying more for the coverage than you get in return.

What’s not covered

ASPCA’s Accident-Only and Complete Coverage plans have certain exclusions such as:

  • 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.

  • Vet treatments if you, a family member or co-owner on the account is conducting or assisting with the procedure.

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 routine procedures specified in your policy.

Plan options

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

Deductibles

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 reimburses you up to the annual maximum limit listed for a given procedure. Again, you may have other options if you call the company directly.

When calculating your claim payout, ASPCA subtracts your deductible from the vet bill before applying your reimbursement percentage. Say you have a $2,000 vet bill, a $500 deductible and an 80% reimbursement rate. Here’s how ASPCA could calculate your claim:

  • $2,000 vet bill - $500 deductible = $1,500.

  • $1,500 x 0.8 (80% reimbursement rate) = $1,200 reimbursement.

You would pay $800 of the original vet bill.

Watch your wallet

Many pet insurers apply your reimbursement percentage to your vet bill before subtracting the deductible, resulting in a lower claim payout. Here’s the math for the example above:

  • $2,000 vet bill x 0.8 (80% reimbursement rate) = $1,600.

  • $1,600 - $500 deductible = $1,100 reimbursement.

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.

Additional options for all plans, including an unlimited annual payout, may be available by phone.

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

Restrictions and waiting periods

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

Waiting periods: A 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 orthopedic conditions such as cruciate ligament injuries to be covered.

Sample rates

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

To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living 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.

Breed

Age 2

Age 8

French bulldog

$64

$153

German shepherd

$38

$90

Golden retriever

$45

$106

Labrador retriever

$45

$106

Medium mixed-breed dog

$31

$73

Poodle

$45

$106

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

Breed

Age 2

Age 8

Devon rex

$17

$31

Domestic shorthair

$17

$31

Exotic longhair

$32

$57

Maine coon

$27

$49

Persian

$27

$49

Ragdoll

$17

$31

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%.

State availability

ASPCA pet insurance is available in all 50 states and Washington, D.C., though 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.

Digital experience

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.

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 middling ratings suggest that some users don’t find it to be a seamless experience.

How to file a claim

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.

How to contact customer service

You can reach customer service by phone at 866-204-6764 or by email at [email protected]. Log in to your member portal to access a 24/7 veterinary help line if you have questions about your pet’s health.

ASPCA vs. competitors

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

ASPCA vs. Nationwide pet insurance

Company

ASPCA

Nationwide

Star rating

5.0

NerdWallet rating 

4.5

NerdWallet rating 

Annual max coverage

Unlimited.

$10,000.

Reimbursement rates

70%, 80% or 90%.

50% to 80%, depending on the plan.

Policy highlight

Broader coverage than most other plans.

Covers dogs, cats, birds, rabbits and other pets.

ASPCA’s Complete Coverage plan offers similar benefits to Nationwide’s Whole Pet plan. With both, you get coverage for hereditary and congenital conditions, accidents and illnesses, alternative therapies, behavioral therapies and prescription food and supplements.

ASPCA offers the option to buy an accident-only plan, which gives you a cheaper alternative to the full Complete Coverage plan. Nationwide’s version of that is its Modular plan, which lets you pick and choose various types of coverage to customize how much you pay.

ASPCA has a shorter waiting period for cruciate ligament issues, which is two weeks compared with Nationwide's 12 months.

Check out our Nationwide pet insurance review for more details.

ASPCA vs. Embrace

Company

ASPCA

Embrace

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

Annual max coverage

Unlimited.

Unlimited.

Reimbursement rates

70%, 80% or 90%.

70%, 80% or 90%.

Policy highlight

Broader coverage than most other plans.

Many ways to save on your policy.

ASPCA and Embrace both offer similar accident and illness plans. Both companies cover hereditary and congenital conditions, alternative treatments and behavioral therapies. However, Embrace doesn’t cover prescription food and supplements unless you buy a wellness plan, while ASPCA includes the coverage in its accident and illness plan as long as the food treats a covered condition.

ASPCA also offers an accident-only plan, which is available for any pet without upper age limits. Embrace’s accident-only plan is mostly for pets 15 years old and above.

Embrace generally requires a six-month orthopedic waiting period for dogs, while ASPCA’s waiting period is 14 days for all conditions, including cruciate ligament issues. However, Embrace has a shorter waiting period for accidents at two days.

Embrace responds more quickly to claims, processing most in 10 to 15 business days versus up to 30 days for ASPCA.

ASPCA vs. Healthy Paws

Company

ASPCA

Healthy Paws

Star rating

5.0

NerdWallet rating 

4.0

NerdWallet rating 

Annual max coverage

Unlimited.

Unlimited.

Reimbursement rates

70%, 80% or 90%.

50% to 90%, depending on the pet.

Policy highlight

Broader coverage than most other plans.

May be able to pay your vet directly.

Healthy Paws and ASPCA both offer a plan that covers accidents and illnesses including hereditary and congenital conditions, alternative therapies and prescription medicine. But Healthy Paws doesn’t cover certain things ASPCA does, like prescription food or the vet’s exam fee when your pet is sick or injured.

Healthy Paws may offer more deductible and reimbursement options than ASPCA, depending on your pet. However, Healthy Paws offers only this one plan and doesn’t provide wellness coverage or accident-only policies.

ASPCA’s waiting period is similar to that of Healthy Paws. ASPCA has a waiting period of 14 days for all conditions, while Healthy Paws has a 15-day waiting period in most states. However, Healthy Paws also has a 12-month waiting period for hip dysplasia if your pet is younger than 6 when you buy the plan. (Healthy Paws doesn’t cover hip dysplasia at all for pets enrolled at age 6 or older.)

Claim reimbursements with ASPCA may take longer than with Healthy Paws. Healthy Paws completes most claims within two to 10 days, while ASPCA reimburses claims within 30 days.

To learn more, read our Healthy Paws pet insurance review.

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.

In our evaluation, we:

  • Analyzed 2,100 data points.

  • Got 800+ quotes from pet insurers.

  • Compared 20+ companies.

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.

Frequently asked questions

Both of ASPCA’s Preventive Care plans will cover dental cleanings. In addition, the company’s Complete Coverage insurance will cover certain dental care such as tooth extractions or cleanings to treat a covered illness. It will not cover dental procedures such as caps, crowns and root canals.

ASPCA’s Preventive Care Prime plan covers spraying and neutering.

To cancel your policy, email [email protected], explaining your reason for cancellation.

Methodology

Pet insurance star ratings

NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Pet insurance sample rates

To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons. Each plan for a given company had the same deductible, coverage limit and reimbursement rate for all sample pets.

These are sample rates gathered for specific pets living in Katy, Texas. Your own rates will be different.

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