HomeGuidesASPCA Pet Health Insurance Review: Best for Multiple Pets

ASPCA Pet Health Insurance Review: Best for Multiple Pets


Getting pet insurance is the safest way to keep your pet safe and healthy without putting yourself through mental stress every time your pet gets sick or injured. Not to forget the heavy veterinarian bills that usually come with it! After going through several ASPCA Pet Health Insurance review online, it is safe to say that ASPCA offers some of the best dog insurance plans for multiple pets. Continue reading to know more.

logo of ASPCA Pet Health Insurance
Name of Insurance ProviderASPCA Pet Health Insurance
Year of Establishment1886
Key FeaturesA+ rating from BBB, Hassle-free claims
Coverage Limits$10,000
Waiting Period14 Days
Phone Number866-204-6764


ASPCA is the American Society for the Prevention of Cruelty to Animals. Founded in 1886, it has over 1 million members, making it one of the largest insurance companies in the world. Ever since its inception, ASPCA has ensured more than 4,00,000 dogs and cats and processed more than 16 million claims.

ASPCA firmly believes that every animal has the right to live with dignity. Unfortunately, pets often get sick, and sometimes, their pet parents can’t afford treatments and medication. 

Luckily, ASPCA Pet Health Insurance can give you the help you need to pay for your pet’s treatment. This way, you can focus all your love and attention on taking care of your pet instead of worrying about your finances.

overview of the pet insurance


Let’s take a closer look at some of the benefits of choosing ASPCA Pet Health Insurance:

  • FLEXIBLE: ASPCA gives pet parents the freedom to customize their plans, including deductibles, reimbursement percentages, and annual limits. An accident-only plan is also available
  • SPECIAL CONSIDERATION: If your pet hasn’t shown any signs or symptoms of a pre-existing medical condition for 180 days, ASPCA will no longer consider it a pre-existing condition and thus, provide coverage for that particular condition
  • SAFETY COVER: Some ASPCA plans include coverage for alternative therapies and required care for behavioral issues as well as prescription food and supplements
  • OFFERS & REFUND POLICY: If you have more than one pet, you can get a 10% discount for each additional pet. As for the refund policy, ASPCA offers a 30-day money-back guarantee


As with any pet insurance policy, there are certain disadvantages for choosing ASPCA Pet Health Insurance:

  • FIXED TERM: You do not have the flexibility to change plan or add additional services until the next plan term begins (each term is for 12 months) 
  • LOW REIMBURSEMENTS: Some customers reported low reimbursements while others reported reimbursement on claims takes up to 30 days or more
  • WAITING PERIOD: There’s a 14-day waiting period for both accidents and illnesses, so any conditions that arise during this period will not be covered
  • LIMITED COVERAGE PLANS: ASPCA plans do not cover the same range of dental conditions unlike some of the other pet insurance providers
TreatmentsIncluded in Plan?
Exam feesYes
Diagnostic FeesYes
Pre-existing ConditionsNo
Prescriptive MedicationYes
Prescription Dog FoodYes
Dental CareNo
Hip DysplasiaYes
Behavioral TherapiesYes
Allergy TreatmentsYes
Cosmetic ProceduresNo

What Does ASPCA Pet Health Cover?

ASPCA provides coverage for accidents, alternative therapies, chronic conditions, hereditary and congenital conditions, illnesses, and prescription medication, food, and supplements. 

If you’re wondering, does ASPCA cover hip dysplasia? The answer is, yes. ASPCA provides coverage for your pet with hip dysplasia and their age is not a deciding factor. Additionally, it covers the cost of microchip implantation to help protect your pet. 

Does ASPCA pet insurance cover allergies? If you have a pet who succumbs to allergies easily, you can be assured that ASPCA will cover the costs of both allergy testing and treatment.

Also Read: Dog Vaccine Requirements: Things to Know Before Your Appointment

Available Plans

Is ASPCA good dog insurance? ASPCA offers two types of plans: Accident-Only Coverage and Complete Coverage. You can also get preventive care add-ons for additional wellness protection.

Complete Coverage Plan

The complete coverage plan covers everything from exam fees, diagnostic costs, treatments, and therapies. All you have to do is submit a claim form.

Accident-Only Plan

An accident-only plan covers only treatment costs, exam fees, and diagnostic costs of injuries that may result from an accident. It’s a great alternative for those who don’t want to get a complete coverage plan.

Preventive Care

Preventive care is an add-on but it does not cover everything, especially cosmetic procedures, pre-existing conditions, pregnancies, and breeding.

Plan Pricing

How much does ASPCA pet insurance cost? The most affordable plans have annual limits that start from $3,000 with the most expensive ones going up to $10,000. The cost of your plan depends on the policies you’ve chosen, along with the deductibles, and the reimbursement package that you’ve selected. They also provide a 10% discount for every additional pet you insure.

What’s Not Included?

Not a lot of things are excluded from ASPCA’s health insurance policy for cats and dogs. It does not cover claims for cosmetic procedures, organ transplants, and other non-veterinary services.

The policy doesn’t cover arthritis, farm visits, and hoof trimming fees for horses. While alternate and behavioral therapies for dogs and cats are covered by this insurance policy, equines are excluded from getting the same benefits.

Pre-Existing Conditions

ASPCA does not provide coverage for any pre-existing condition, which is the norm with all insurance providers. Moreover, ASPCA considers any injury or illness that happens during the waiting period as a pre-existing condition. It’s important to note that orthopedic issues are an exception in this case and are thus eligible for coverage.

Coverage Limit

The annual coverage limit for all animals starts at $3000 and can go up to $7000 for horses and up to $10,000 for dogs and cats.


How do I submit a claim to ASPCA? Pet Submitting a claim is easy. You can do it both online and offline. Simply take a picture and explain what happened to your pet, attach a bill and upload it on the ASPCA app. Alternatively, you can also mail the claim or send it by fax.

waiting period of ASPCA pet insurance

Waiting Period

Policies come into effect after 14 days of purchase. This means you’re liable to pay for any injury or accident that occurs within the first two weeks of buying the policy.


If you’re looking for an insurance company you can trust with your pet(s), ASPCA is where it’s at. Claims may take some time to process but their customer satisfaction rating more than makes up for it.

Overall, they’re a well-established organization, have affordable rates, comprehensive packages, and multiple benefits. Check out the ASPCA Pet Health Insurance review online, look at the pros and cons, and thoroughly educate yourself before you purchase an insurance policy from them. 

Frequently Asked Questions

What does ASPCA Pet Insurance not cover?

ASPCA does not cover breeding and pregnancies, cosmetic procedures, and pre-existing conditions. Additionally, unless you get the wellness add-on, your pet’s preventative care expense is not covered by ASPCA Pet Health Insurance. Check out the whole article ASPCA Pet Health Insurance review to learn more.

Is there a waiting period after enrollment?

Yes, you’ll have to wait for 14 days after purchase before the policy comes into effect. You won’t be able to get coverage for anything that occurs during this two-week waiting period.

What is the cancellation policy?

They offer next-day cancellation along with prorated refunds, depending on whether or not you have received a claim. Cancellation may be dependent on you providing a 60-day notice to the insurance provider.

Paul Andrewshttps://www.linkedin.com/in/paul-andrews-172490189/
A digital marketing expert by profession, Andrews is a gifted writer and animal lover at heart. A self-confessed "pawrent", Andrews is well-versed in all things dogs. He uses his years of experience of raising puppies into show quality dogs to help guide first time pet parents. He believes in spreading the joy that comes with being a dog dad and advocates more families to adopt pets.


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