ASPCA Review

Animal lovers may already recognize the acronym. The American Society for the Prevention of Cruelty to Animals (ASPCA) is a leading voice for animal welfare in the United States. It’s been providing pet insurance plans to help pet parents care for their animal companions since 2006.

ASPCA Pet Insurance Website
Cats & Dogs Best for
3 /5
$ 16 /mo
Starting Price
Table of Contents

    What Does ASPCA Pet Insurance Cover? 

    ASPCA only provides pet insurance plans for cats and dogs, so you’ll have to look elsewhere if you’re an exotic pet owner.

    There are two main insurance plans to choose from, both of which can be customized to help pet owners create a plan that best suits their needs and budget.

    You can use any registered vet – regardless of location – as part of your policy. 

    The Complete Coverage plan offers all of the protection you could ever need if your pet is injured or becomes sick.

    It covers the costs of examination and diagnostic fees for accidents, illnesses, hereditary conditions, and even behavioral issues – the latter of which isn’t usually covered by most other insurance providers. 

    If you’re confident you can keep your pets in tip-top condition, you may want to consider ASPCA’s Accident Only Coverage plan instead.

    This covers the costs of examination and diagnostic fees for just accidents.

    You won’t be protected against illnesses, hereditary conditions, and behavioral issues. 

    Like all plans, there are some exclusions. Some pre-existing conditions, cosmetic procedures, and breeding costs are not covered. 


    • Complete Coverage plan offers everything you want
    • Plans can be customized
    • No major exclusions


    • Only offers policies for cats and dogs

    ASPCA Pet Insurance’s Reimbursement and Deductibles 

    Claims are submitted directly through the website or by using the Free My Pet Insurance app, available to download on the Apple or Google Play store.

    You can also email, fax or direct mail your claim. 

    Reimbursements are relatively quick and can be set up to arrive in your bank account through a standing order.

    This is the easiest and most efficient way of receiving reimbursements, although ASPCA also offers payment through cheques. 

    Insurance plans can be tailored with 70%, 80%, and 90% reimbursements and deductibles in amounts of $100, $250, and $500. 

    ASPCA Pet Insurance’s Waiting Periods 

    Policies have a 14-day waiting period before coverage is provided for certain accidents, illnesses, and injuries.

    Waiting periods for reimbursements generally depend on the nature of the claim. We’ve found this can take anywhere from one working day to a week in most cases. 

    How Much Does ASPCA Pet Insurance Cost? 

    ASPCA Pet Insurance doesn’t list any set prices on its website as all insurance plans are tailored, depending on the health condition of the pet you’re applying for.

    On average, for a healthy three-year-old dog with an annual budget of $5000, most insurance plans will cost in the region of $50 per month with 80% reimbursement and a $250 deductible. 

    You can, however, visit the ASPCA Pet Insurance to get a free and instant quote. 

    Customer Service and Satisfaction 

    As it's tied to a respected animal welfare charity, ASPCA Pet Insurance has picked up great customer reviews and really does care about your pets’ wellbeing.

    You can contact the team via email or telephone between 8 AM – 9 PM EST (Monday – Friday). ASPCA’s customer service team operates on the weekend too with reduced working hours. 

    Our Rating – How Pawsome is ASPCA Pet Insurance 

    While it only offers policy plans for cats and dogs, there’s an excellent level of protection given within its plans.

    Prices for its Complete Coverage plan are reasonable in comparison to other insurance providers, while the Accident Only Coverage plan offers excellent value for money.

    However, if you’re an exotic owner, you might want to visit Pet Premium, Healthy Paws or Pet Assure instead.