ASPCA Pet Insurance Review 2026
ASPCA Pet Health Insurance is one of the most recognized names in the space, offering flexible plans and optional wellness coverage. Here’s our honest breakdown.
Pros
- Highly customizable plans
- Optional wellness/preventive add-ons
- Covers exam fees and alternative therapies
- Multi-pet discount available
Cons
- Not the cheapest option
- Annual limits cap payouts on most plans
- Some conditions have longer waiting periods
In this review
Who ASPCA Is Best For
ASPCA suits owners who want to tailor their plan — choosing deductible, reimbursement, and limit — and who like the option to add wellness coverage for routine care.
Pricing
Mid-to-higher range, with dog plans commonly $38–$73/month depending on your choices. The flexibility is the appeal.
Coverage
Accident & illness plans plus optional wellness add-ons. Notably covers exam fees and some alternative therapies, which not all insurers do.
Claims Experience
Solid, app-based claims with reliable reimbursement. Not the fastest in the industry, but dependable.
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Frequently Asked Questions
Is ASPCA pet insurance good?
Yes, particularly if you want a customizable plan with optional wellness coverage. It’s not the cheapest, but it’s flexible and well-established.
Does ASPCA cover wellness care?
Yes, as an optional add-on. The base plan covers accidents and illness; wellness is extra.
Is ASPCA pet insurance expensive?
It’s mid-to-higher range, but you can lower the cost by adjusting your deductible and reimbursement rate.