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ASPCA Pet Health Insurance logo

 

The ASPCA Pet Health Insurance program offers Complete CoverageSM, Accident only & optional preventative coverage for dogs and cats.


Average Price
$25 - 54/mo.
A.M. Best Rating A
BBB Rating A+
Customer Satisfaction ★★★★★ (4.5)
Total Reviews 5,806
Deductible $100 - 500
Reimbursement 70 - 90%
Annual Limit $5,000 - Unlimited
Waiting Period for Accidents None
Waiting Period for Illnesses 14 days
Waiting Period for Ligament & Knee Conditions Coverage 14 days
Emergency Care
Accidents
Illnesses
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Preventative Coverage Optional
Vet Restrictions None

They are one of the oldest and most respected pet insurance programs in the U.S. ASPCA Pet Health Insurance plans were recently updated with a new policy called Complete CoverageSM, which provides even better coverage than their old plans.

Pet insurance does not cover pre-existing conditions

 

Coverage Overview

 

Complete CoverageSM

The ASPCA Pet Health Insurance program offers coverage for dogs and cats in all 50 states. Pet Owners can customize their plan by choosing a deductible and co-insurance that meets their needs. Additionally, they offer preventative coverage for routine and annual care expenses for an additional cost.

Complete CoverageSM
Options
Annual Limit $5k - Unlimited
Reimbursement 70, 80, 90%
Deductible $100, 250, 500
Waiting Period - Accidents None
Waiting Period - Illnesses 14 days
Waiting Period - Ligament & Knee Conditions 14 days
Waiting Period - Preventative Care None

Preventative Coverage

The ASPCA Pet Health Insurance program offers two levels of preventative coverage.

Treatment Prime
Dental Cleaning (If Prime - OR Spay/Neuter) $175
Wellness Exam $50
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer $25
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer $25
Fecal Test $25
Heartworm or Feline FELV Test $25
Deworming $25
Flea / Heartworm Prevention $50
Blood Test $25
Urinalysis $25
Bordatella or FELV Vaccine/Titer $25
Health Certificate $25
Total Annual Benefit $500

Basic Preventative Coverage

Treatment Basic
Dental Cleaning (If Prime - OR Spay/Neuter) $100
Wellness Exam $50
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer $20
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer $20
Fecal Test $20
Heartworm or Feline FELV Test $20
Deworming $20
Flea / Heartworm Prevention -
Blood Test -
Urinalysis -
Bordatella or FELV Vaccine/Titer -
Health Certificate -
Total Annual Benefit $250

Accident Only Coverage

The accident only plan covers accidents only and excludes illnesses. That is why we do not recommend this level of coverage.

Source: Sample Plans

 

Customer Reviews

 

ASPCA Pet Health Insurance has a very favorable average customer rating at 86%. Here is an overview of the total reviews and scores from pet parents just like you!

Source Avg.
Google -
Facebook -
BBB 3.7
Yelp 2.0
Trustpilot 4.8
Shopper Approved -
Pet Insurance Review 4.5
Consumers Advocate 3.8
Consumers Affairs 1.2
Provider Reviews 4.9
Total 4.5

Learn More: Pet Insurance Reviews

 

Price

 

ASPCA Pet Health Insurance is relatively competitive but slightly more expensive than other companies in the market. That is why they received a respectable rating on price.

 

Complete CoverageSM Costs

Here are some sample of costs for the Complete CoverageSM Plan. This is ASPCA Pet Health Insurance's standard dog insurance coverage option.

ASPCA Dog Insurance
Cost *
Mixed Breed Dog $37/mo.
Labrador Retriever $46/mo.
Yorkshire Terrier $31/mo.
Golden Retriever $50/mo.
Dachshund $31/mo.
Chihuahua $31/mo.
German Shepherd $42/mo.
Shih Tzu $31/mo.
Boxer $50/mo.
English Bulldog $48/mo.
Average for All Dogs $40/mo.

Quote for a one-year old mixed breed dog in 44306 zip code, Complete CoverageSM with a $5,000 annual limit and 90% reimbursement and $250 deductible.

 

And if you're more of a cat person here is a sample of cat insurance costs for the top 10 most popular cat breeds in America.

ASPCA Cat Insurance
Cost *
Mixed Breed Cat $22/mo.
Domestic Shorthair $22/mo.
American Shorthair $22/mo.
Siamese $24/mo.
Maine Coon $24/mo.
Persian $26/mo.
Ragdoll $24/mo.
Bengal $20/mo.
Russian Blue $26/mo.
Himalayan $28/mo.
Average for All Cats $24/mo.

Quote for a one-year old mixed breed cat in 44306 zip code, Complete CoverageSM with a $5,000 annual limit and 90% reimbursement and $250 deductible.


Preventative Coverage Costs

Here are the costs for each level of preventative coverage.

Wellness Plan Cost
Basic $9.95/mo.
Prime $24.95/mo.


ASPCA Pet Health Insurance Overview

 

ASPCA Pet Insurance is administered by C&F Insurance Agency, Inc., which is based in Akron, Ohio. The agency was founded in 1997 making it the second oldest pet insurance provider in the United States. Products are underwritten by the United States Fire Insurance Company, which has an A.M. Best Insurance rating of A (Excellent).

Most claims paid within 2 weeks
10% discount for additional pets
Use any licensed veterinarian in the U.S.
1-888-716-1203
Mon - Fri: 8:00 am - 9:00 pm EST, Sat: 9:00 am - 5:00 pm EST, Sun: 11:00 am - 3:00 pm

Company History

Underwriter United States Fire Insurance Company (A)
Headquarters Akron, Ohio


Policy Exclusions

  • a. Aesthetic, cosmetic, endodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planning.
  • b. Anal sac (gland) expression and/or resection when no infection is present
  • c. Boarding
  • d. Breeding, pregnancy, whelping or nursing
  • e. Conditions that occur during a waiting period
  • f. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking)
  • g. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement
  • h. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven
  • i. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).
  • j. Herbs
  • k. House call fees, time and travel expenses to and from the veterinarian's premises or hospital.
  • l. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.
  • m. Non-medical supplies such as but not limited to toys, training devices, and leashes.
  • n. Non-Veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, postage and tax).
  • o. Pre-existing Conditions that occurred on or before the effective date of the policy or during a waiting period.
  • p. Prescription food, pet food, diets or treats used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
  • q. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.
  • r. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.
  • s. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.

 

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