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.
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