The American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization working to protect animals. It focuses primarily on dogs, cats, and other domestic pets. It lends its name to ASPCA pet insurance, but it does not sell or underwrite insurance. However, the ASPCA collects royalties on sales made to support its operations.
Business Insider compared ASPCA to the best pet insurance companies and found it to be a standout option, with decent customizability, short waiting periods, and discounts for enrolling multiple pets. As an added benefit, the ASPCA organization also receives royalties off policies sold, though it's less beneficial than just donating straight to the organization.
ASPCA Pet Insurance Pros and Cons
ASPCA Pet Insurance Pros
- Coverage available for dogs, cats, and horses
- No age limits for coverage
- 10% multipet discount
- Up to 90% reimbursement after deductible
- Royalties go back to the ASPCA to care for homeless pets
- Shorter waiting periods for ligament and cruciate injuries (15 days)
- Coverage for curable preexisting conditions after 180-day waiting period
ASPCA Pet Insurance Cons
- Available coverage tapers off with age
- Coverage can raise with pet's age
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$50 for dogs and $22 for cats
$100, $250, $500
70%, 80%, 90%
- Coverage available for dogs, cats, and horses
- No age limits for coverage
- 10% multipet discount
- Up to 90% reimbursement after deductible
- Royalties go back to the ASPCA to care for homeless pets
- Available coverage tapers off with age
- Coverage can raise with pet's age
ASPCA pet insurance is not sold or underwritten by the ASPCA. However, the ASPCA collects royalties on sales made to support its operations and aid homeless pets.
Compare ASPCA Pet Insurance
- Offers pet insurance with unlimited coverage
- Offers deductibles of as low as $50 and as high as $1,000 annually
- Company partners with large insurance companies like GEICO
- Rates can be extremely affordable for pets of all breeds
- Coverage is available in all 50 states and Washington, DC
- Alternative and holistic treatments may not be included
- Customer reviews indicate claims processing may take longer
- $12 premiums for basic care
- Add-ons available for other preventative care
- Comprehensive mobile experience for claims and support
- Only available in 37 states and Washington DC
- No 24/7 telehealth line for veterinary advice
Lemonade offers auto, homeowners, renters, pet, and life insurance. It's been around since 2015 and is known for offering some of the lowest rates. Lemonade ranks on J.D. Power's customer satisfaction surveys for renters insurance, however, it doesn't rank for life and homeowners insurance.
Lemonade Pet Insurance- Discounts for bundling policies and having multiple pets
- Starts at $10 a month
- Offers a discount for enrolling in an annual payment plan
- Wellness plans and accident and illness plans available
- Available in all 50 states with comprehensive coverage options
- Coverage available for senior dogs and cats
- Pets have to be at least 8 weeks for coverage
- Does not offer coverage for exotic pets
Spot pet insurance provides comprehensive pet insurance, including an allowance for end-of-life memorials. Some plan upgrades cover dental cleanings and other costly services.
Spot Pet InsuranceASPCA Pet Insurance Overview
ASPCA Pet Insurance offers an accident and illness plan an an accident-only plan. It also offers optional preventive care plans, no age caps, and a 10% discount for multiple pets, so you can get all the coverage you need from one policy. That said, ASPCA adjust premiums based on your pet's age, so you'll pay way more as your pet ages.
ASPCA policies are underwritten by United States Fire Insurance Company, which underwrites policies from quite a few pet insurance companies including Hartville pet insurance. ASPCA's premiums
ASPCA Pet Health Insurance gives customers various coverage options, including accident-only plans. In addition, it has pet insurance plans available not just for cats and dogs but horses. Unfortunately, ASPCA Pet Health Insurance does not cover other "exotic pets."
ASPCA stands out for its short waiting periods. Some insurance companies will stagger coverage, usually only covering ligament and cruciate injuries after a six-month waiting period. ASPCA's waiting period for all its coverage starts after a 15-day waiting period, which is relatively short. It also offers preexisting condition coverage for curable conditions after a 180-day waiting period.
ASPCA Pet Insurance Plans and Coverage
ASPCA pet insurance offers two insurance plans for cats and dogs: the Complete Coverage plan and the Accident-Only plan.
Complete Coverage will cover your furry friend for accidents and illnesses like arthritis, epilepsy, and cancer. With the Accident-Only plan, pets are only covered for accidents. These include things like torn ligaments, bites, and broken bones.
Both plans are customizable. So you can choose your annual limit, deductible, and coinsurance (how much your insurance company pays for each claim). This allows you flexibility in finding a premium for your budget.
With ASPCA pet insurance, you can choose from the following levels of coverage:
- Policy coinsurance: ASPCA pays 70%, 80%, or 90% of each eligible bill
- Annual deductible: Buyers pay up to $100, $250, and $500. or $1,000 per year before your coverage coverage kicks in
- Annual maximum: ASPCA pays up to $3,000, $4,000, $5,000, $7,000, and $10,000 per year
Unlike many other pet insurance providers, ASPCA Pet Health's accident and illness plans are available to all cats and dogs, regardless of age. So whether you're bringing a new puppy home or caring for your senior dog in their twilight years, ASPCA Pet Health Insurance has pet insurance coverage options.
ASPCA also offers horse insurance plans, which is uncommon with pet insurance providers. In addition, those plans can provide complete or accident-only coverage.
Lastly, all plans come with a 24/7 veterinary helpline you can access after logging into your member portal for help with any questions about your pet's health.
Additional Coverage Options from ASPCA Pet Insurance
Since the main plans from the ASPCA pet insurance don't cover preventive care like spaying or neutering, you can add it for an additional fee. However, unlike accident and illness plans, a pet wellness plan or rider would not have a deductible or coinsurance payment. Generally, the provider applies limits for individual preventive treatments.
The preventive care add-on comes in a few varieties, including basic and prime for dogs and cats and routines and platinum for horses.
With each plan, you'll know your annual maximum payout for the various covered services. Then you'll have to submit a claim to ASPCA Pet Health Insurance for reimbursement.
ASPCA's preventive care packages offer the following benefits:
| Basic | Prime | |
| Cost | $9.95 monthly | $24.95 monthly |
| Dental cleaning or Spay/Neuter | $100 | $150 |
| Wellness exam | $50 | $50 |
| Deworming | $20 | $25 |
| DHLPP Vaccine/Titer | $20 | $25 |
| Rabies or Lyme Vaccine/Titer | $20 | $25 |
| Heartworm test | $20 | $25 |
| Fecal test | $20 | $25 |
| Bordetella Vaccine/Titer | Not included | $25 |
| Flea/Heartworm prevention | Not included | $25 |
| Health certificate | Not included | $25 |
| Blood test | Not included | $25 |
| Urinalysis | Not included | $25 |
How Much Does ASPCA Pet Insurance Cost?
The cost of pet insurance will depend mainly on the type of coverage you choose and your pet's age and breed. Insurance premiums may also increase if your pet has a known history of certain medical conditions. While it does not cover pre-existing conditions, ASPCA will begin covering a condition a pet has after they've been cured and symptom-free for 180 days.
To get an idea of how much ASPCA's coverage costs, we'll look at how much a pet owner living in New York City would pay in pet insurance premiums. We chose New York City for our quotes because it is one of the most expensive places to receive vet care, which insurance premiums will reflect. Your premiums will likely be lower than the prices below.
An ASPCA plan with a $10,000 annual limit, $500 deductible, and 80% reimbursement costs
| Breed | 2-year-old (monthly) | 6-year-old (monthly) |
| French Bulldog | $113.07 | $161.53 |
| Labrador Retriever | $88.73 | $126.76 |
| Golden Retriever | $88.73 | $126.76 |
| German Shepherd | $74.13 | $105.90 |
| Standard Poodle | $88.73 | $126.76 |
| Mixed Medium (26-50 lbs) | $65.30 | $93.28 |
Accident-only quotes for dogs were $46.41 monthly across all breeds and ages.
Let's go over premiums for cats covered by ASPCA's complete coverage plan.
| Breed | 2-year-old (monthly) | 6-year-old (monthly) |
| Ragdoll | $34.32 | $45.76 |
| Maine Coon | $43.52 | $58.03 |
| Devon Rex | $34.32 | $45.76 |
| Exotic Shorthair | $31.75 | $42.34 |
| Persian | $47.81 | $63.74 |
| Mixed Breed | $34.32 | $45.76 |
Accident-only quotes for cats were $25.29 monthly across all breeds and ages.
Preventive care coverage costs $9.95 monthly for the basic plan and $24.95 for Prime Care.
Business Insider found the average cost of pet insurance ranges from $20 to $50. Unsurprisingly, accident-only policies are cheaper than coverage for accident and illness policies. So both of these quotes align with the average national pet insurance premiums.
How to Purchase and Manage an ASPCA Pet Insurance Policy
You can obtain a quote for ASPCA on its website. You'll need to be prepared to provide the following information:
- Pet species
- Pet breed
- Pet age and sex
- ZIP Code
Once you obtain your quotes, you can play around with your deductible, coinsurance, and coverage limits to find the optimal coverage at a monthly price you're willing to pay.
ASPCA policies have a 30-day free-look period. Within this period, you can cancel your policy and receive a full refund as long as you haven't filed a claim yet.
How to File a Claim With ASPCA Pet Insurance
You can submit a claim online, on the ASPCA pet insurance app, or through phone, email, or fax. Afterward, you can track your claim's progress online or through the app.
Regarding payment options, you can receive your reimbursement via direct deposit or check. Most claims are processed within 30 days from start to finish. For additional peace of mind, know ASPCA Pet Health Insurance will send periodic updates via email as your claim moves through our system.
Customers can reach ASPCA Pet Health Insurance's customer service using the following methods:
Phone: 866-204-6764
Email: cservice@aspcapetinsurance.com
ASPCA Pet Insurance Customer Reviews and Ratings
ASPCA pet insurance reviews are generally positive, receiving an average of 3.9 stars out of five on its Trustpilot page. Policyholders have reported a smooth and speedy claims process and responsive customer service representatives. Despite ASPCA reserving the right to increase premiums based on a pet's age, we didn't see many complaints about rising premium costs.
ASPCA responds to positive and negative customer reviews within one to two days, making reviews a reliable way to contact the company.
Let's look at some third-party ratings of ASPCA.
The National Association of Insurance Commissioners' complaint index rates insurance companies based on how many complaints they receive against its share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected and a higher number indicates more complaints than expected.
The United States Fire Insurance Company, which underwrites ASPCA policies, scored a 0.72, indicating that it has fewer complaints than expected given its share of the market.
Some ASPCA policies are also underwritten by Independence American Insurance Company, which has a 315.06 Company Complaint Index score, indicating it has an extremely high volume of complaints than expected given its size. A number this high deserves some context. The company has five complaints, just over 0.01% of all complaints, compared against its $555,795 annual revenue in 2024, which makes up 0.000033% of the U.S. market.
ASPCA pet insurance policies are backed by PTZ Insurance Agency. The overarching parent company, Independence American Insurance Company (IAIC), has an A- (Excellent) Financial Strength Rating from AM Best, indicating that it has the capability to meet its financial obligations, like paying out claims.
ASPCA Pet Insurance Alternatives
See how ASPCA compares to two other options for pet insurance coverage: Embrace and Lemonade.
ASPCA vs. Embrace Pet Insurance
Embrace Embrace Pet Insurance and ASPCA offer similar coverage in many ways. For example, both providers' accident and illness plans cover congenital conditions, exam fees, and behavior therapies. However, ASPCA Pet Health Insurance plans differ because it also covers alternative treatments like supplements and prescription food.
As for age limits, ASPCA Pet Health Insurance's accident-only plan is available to any pet, regardless of age. However, Embrace offers an accident-only plan for pets 15 years or older.
In comparing the waiting periods of both companies, you'll find Embrace's 48-hour waiting period for illnesses is much shorter than ASPCA Pet Health Insurance's 14-day waiting period for all conditions. But regarding orthopedic issues, Embrace requires a more extended 6-month waiting period than ASPCA Pet Health Insurance's 14-day waiting period. As noted above, ASPCA Pet Health Insurance also defines pre-existing conditions as "cured" if your pet is symptom-free for six months for most conditions. Recurring conditions could then be covered like any other accident or illness. At this time, Embrace requires a 12-month waiting period for a condition to be "cured." The website also notes future coverage of known conditions is "at its discretion."
All in all, the company you go with will depend on your pet's needs.
Read our Embrace pet insurance review.
ASPCA vs. Lemonade Pet Insurance
Lemonade Insurance Company Lemonade Pet Insurance and ASPCA are both well-known providers in the pet insurance space. Insurance products between the two providers are similar. Both offer choices of injury and illness plans with additional wellness and preventive care add-ons like dental illness, certain vaccines, and exam fees.
With Lemonade, you have options for 70% or 80% coinsurance. ASPCA Pet Health Insurance offers these reimbursement levels plus an option for 90% reimbursement.
In comparing annual maximums, Lemonade pays up to $100,000 in benefits annually based on your chosen plan. Cheap plans may only offer up to $5,000 in payouts annually. ASPCA Pet Health Insurance offers annual limits of $5,000 to $20,000 for dogs and cats. But in terms of availability, ASPCA Pet Health Insurance is available throughout the U.S. while Lemonade is only available in 37 states and Washington, DC.
ASPCA Pet Health Insurance's plans are more customizable, but Lemonade may be a less expensive option. The right provider for you and your pet will depend on your needs and budget.
Read our Lemonade pet insurance review.
Why You Should Trust Us: How We Reviewed ASPCA Pet Insurance
There are a few primary factors to consider when purchasing a pet insurance policy: cost, policy limits, ease of sign-up, claims processing, reimbursement levels, and available add-ons.
Customization is critical because it gives the consumer more control in choosing a policy that makes sense for their family. So whether you have multiple pets, concerns about specific genetic conditions, or strict budgetary limits, we understand your neighbor's preferred pet insurance plan may not meet your needs.
While we understand the appeal of a $10 policy, it could leave pet families vulnerable in an accident or illness. Therefore, we consider all these factors in reviewing and comparing pet insurance products.
Read the full breakdown of how Business Insider rates pet insurance.
FAQs
Does ASPCA pet insurance cover spaying and neutering?
ASPCA pet insurance covers spaying and neutering if you opt for its optional Prime preventive care package.
Does ASPCA pet insurance cover preexisting conditions?
ASPCA Pet Health Insurance doesn't cover preexisting conditions. However, if your pet is symptom-free for 180 days, excluding specific ligament and joint issues, your pet can re-qualify for coverage.
Does ASPCA pet insurance have waiting periods?
Yes, ASPCA pet insurance has a waiting period of 15 days for accident and illness coverage.
Do ASPCA pet insurance premiums help shelter pets?
ASPCA pet insurance and the premiums it receives doesn't directly help shelter pets. ASPCA receives royalty fees from the insurance company that uses its name. The ASPCA itself is not an insurer.
