ASPCA Pet Insurance Review 2022

by Ann deBruyn

Plans offered: Accident and illness, accident-only, wellness.

Breadth of coverage: Excellent.

Range of plan options: Good.

Can pay your vet directly: No.

The bottom line: Generous coverage and multiple plan options, including an accident-only policy.

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. In our pet insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Plans offered. Pet insurance companies generally offer the following three types of plans:

  • Accident and illness policies reimburse you for medical treatment if your pet gets sick or injured.

  • Accident-only policies pay expenses if your pet is injured.

  • Wellness plans help you budget for preventive care costs.

Breadth of coverage.  We looked for plans that cover a wide range of potential expenses.

Range of plan options. This category looks at how many ways you can customize what you pay for your plan and how you’re reimbursed.

Can pay your vet directly. This indicates whether an insurer can pay your vet directly for medical expenses. With this service, you don’t have to pay the money yourself upfront and then wait for reimbursement.

If you’re looking for a provider that gives you plenty of coverage options, including an accident-only plan for pets of all ages, ASPCA is a good choice. It offers pet insurance plans for cats, dogs and horses nationwide. ASPCA is also the pet insurance provider for Travelers , one of the largest auto insurers in the nation.

ASPCA pet insurance

ASPCA earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, coverage options and financial strength ratings.

ASPCA pet insurance pros and cons



Covers horses in addition to cats and dogs.

You must call rather than getting an online quote if you’re interested in unlimited annual coverage.

Standard plans cover alternative therapies, behavioral issues and congenital conditions.

Shorter waiting period than most plans for cruciate injuries (14 days).

State availability

ASPCA pet insurance is available in all 50 states and Washington, D.C., though horse insurance plans have more limited availability.

ASPCA pet insurance plans

ASPCA offers three plans, including one that covers a wide range of accidents and illnesses. If you’re looking for a cheaper option, ASPCA sells policies limited to accidents only. Although its policies don’t typically cover preventive care, it sells a wellness plan for an additional cost.

Complete Coverage

ASPCA’s main plan covers both accidents and illnesses. This includes injuries like broken bones or cuts and illnesses such as cancer and arthritis. Other covered expenses include acupuncture and prescription medicine for covered conditions. This plan will reimburse you a certain percentage of your vet bill, up to your annual maximum and minus your deductible (the amount subtracted from your claims check).

While some other pet insurers limit older animals to accident-only coverage, ASPCA’s accident and illness plan is available to all cats and dogs with no maximum age.

ASPCA also offers a similar plan for horses that includes illnesses, accidents and colic, or abdominal pain.


This plan covers expenses related to accidents such as bites, broken bones and torn ligaments, and does not cover any treatments related to illness. Like Complete Coverage, the accident-only plan offers reimbursement for a percentage of your vet bill up to an annual limit, minus your deductible.

For horses, ASPCA sells a plan that covers only accidents and colic.

Preventive Care

ASPCA’s preventive care is an optional add-on you can include on your plan without a deductible or coinsurance. You can choose from different preventive care plans: basic and prime for cats and dogs, and routine and platinum for horses. Each one has a list of services and an annual maximum payout amount. You’ll pay for your pet’s procedure out of pocket, then submit a claim to ASPCA. You’ll get reimbursed up to the covered amount.

What ASPCA pet insurance covers

ASPCA’s Complete Coverage plan for cats and dogs includes:

  • Exams, treatment, hospitalization and surgery for injuries and illnesses, including cancer and diabetes.

  • Prescription medication, food and supplements used to treat a covered condition.

  • Hereditary and congenital conditions.

  • Microchip implantation.

  • Alternative treatments such as acupuncture and chiropractic care.

  • Behavioral therapies.

  • MRIs, CT scans and X-rays.

  • Stem-cell therapy.

  • End-of-life expenses.

ASPCA’s Accident-Only plan for cats and dogs will cover only treatments and diagnostic tests related to an accident. It will not pay for treatment of any illness.

ASPCA’s Colic, Accidents and Illnesses coverage for horses includes:

  • Tooth extractions.

  • Prescription medication and medical supplies.

  • Hospitalization, surgery, exam fees and diagnostic tests.

  • Poison control fees.

  • Cancer treatments, including chemotherapy and radiation.

  • Treatments for colic.

  • Microchip implantation.

  • Euthanasia.

  • Intravenous fluids and medications.

ASPCA’s more limited Colic and Accidents plan for horses doesn’t pay to treat any illnesses, including cancer. Otherwise, it provides the same coverage as above.

ASPCA’s Preventive Care for cats and dogs covers routine procedures based on the option you choose. These may include :

  • Dental cleaning.

  • Flea and heartworm prevention.

  • Vaccinations and titers.

  • Annual exam.

  • Blood screening.

  • Fecal screening.

  • Spay or neuter surgery.

  • Urinalysis.

Similarly, ASPCA’s Preventive Care for horses covers routine procedures outlined in the policy you choose. These may include:

  • Wellness exam.

  • Dental floating.

  • Blood, fecal and coggins tests.

  • Vaccinations and titers.

What’s not covered

ASPCA’s Accident-Only and Complete Coverage plans have certain exclusions such as:

  • Pre-existing conditions, except for curable conditions that haven’t recurred in at least 180 days. This exception doesn’t include knee or ligament issues.

  • Certain dental procedures, including cleanings (unless used to treat a covered illness).

  • Boarding costs.

  • Experimental treatments.

  • Breeding costs.

  • Cosmetic procedures.

  • Funeral-related costs.

  • House-call fees.

  • Herbal products such as cannabis (CBD).

  • Non-medical supplies like toys or bedding that don’t treat a condition.

  • Organ or heart valve transplants.

  • Prescription supplements or diets used for prevention or general health, including weight loss.

  • Vet treatments if you, a family member or co-owner on the account is conducting or assisting with the procedure.

The Accident-Only plan will not cover any of the above exclusions or treatment for any illnesses. Preventive care plans won't pay for anything besides the routine procedures specified in your policy.

ASPCA coverage options

Deductibles: There’s no deductible for preventive care plans. For cats, dogs and horses on all other plans, ASPCA offers three annual deductible options: $100, $250 or $500.

Reimbursement amounts: You can choose to be reimbursed for 70%, 80% or 90% of your vet bills with most of ASPCA’s policies. The exception is the Preventive Care plan, which reimburses you up to the annual maximum limit listed for a given procedure.

Coverage limits: You can set your annual coverage limit anywhere from $5,000 to unlimited for the Complete Coverage plan for cats and dogs. Your coverage limit for an Accident-Only policy can be $3,000, $4,000, $5,000, $7,000 or $10,000 per year.

Coverage limits are slightly different for horses. For plans other than Preventive Care, you can choose coverage limits of $3,000, $5,000 or $7,000.

For all animals, Preventive Care plans have set annual maximums for each covered procedure.

Restrictions and waiting periods

Age restrictions: Your pet is eligible for an ASPCA pet insurance plan as long as it’s at least 8 weeks old. There is no upper age limit for cats and dogs, but older horses may be eligible only for Colic and Accident coverage.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage begins. ASPCA’s preventive care coverage starts right away. Illness and accident coverage has a 14-day waiting period.


You can save 10% by insuring more than one pet with ASPCA.

Consumer experience

Website: ASPCA’s pet insurance website lets you pay your bill, submit and track claims and manage your policy. It also provides sample policies and comparisons with other pet insurance plans. You can get a quote online in most cases, but if you want unlimited coverage, you’ll need to call.

App: You can use ASPCA’s app to find a local vet, pay bills, submit and track claims and update contact information.

Claims: You can submit a claim online, on the ASPCA app or by phone, email or fax. After that, you can track your claim online or through the app. ASPCA will also reach out by email throughout the claims process. You’ll receive your payment either through direct deposit or check. Most claims are processed within 30 days.

Customer service: You can reach customer service by phone at 866-204-6764 or by email at [email protected] . Log in to your member portal to access a 24/7 veterinary help line if you have questions about your pet’s health.

ASPCA vs. competitors

Here’s how ASPCA stacks up against three other popular pet insurance companies.

ASPCA vs. Nationwide pet insurance

ASPCA’s Complete Coverage plan offers similar benefits to Nationwide’s Whole Pet plan. With both, you get coverage for hereditary and congenital conditions, accidents and illnesses, alternative therapies, behavioral therapies and prescription food and supplements. However, ASPCA offers the option to buy an accident-only plan, which gives you a cheaper alternative to the full Complete Coverage plan.

If you want a higher reimbursement option, ASPCA is the better choice. It offers up to 90% reimbursement versus 70% from Nationwide. ASPCA also has more deductibles and annual limits to choose from. In addition, it has a shorter waiting period for cruciate ligament issues, which is two weeks compared with 12 months.

Coverage options




$100, $250 or $500.

$250 per year. (Other options available by phone.)


70%, 80% or 90%.

50% or 70%.

Annual limit

$3,000 to $10,000 per year. (An unlimited option may be available; call the company for details.)


ASPCA vs. Embrace

ASPCA and Embrace both offer similar accident and illness plans. Both companies cover hereditary and congenital conditions, exam fees for accidents and illnesses, and alternative and behavioral therapies. However, Embrace doesn’t cover prescription food and supplements, while ASPCA does as long as they’re used to treat a covered condition.

ASPCA also offers an accident-only plan, which is available for any pet without upper age limits. Embrace’s accident-only plan is generally for pets 15 years old and above.

Embrace offers a six-month orthopedic waiting period for dogs, while ASPCA’s waiting period is 14 days for all conditions, including cruciate ligament issues. However, Embrace has a shorter waiting period for illnesses at 48 hours.

Embrace responds more quickly to claims, with most being processed in 10 to 15 business days versus 30 days or less for ASPCA.

Coverage options




$100, $250 or $500.

$200 to $1,000 per year.


70%, 80% or 90%.

70%, 80% or 90%.

Annual limit

$3,000 to $10,000 per year. (An unlimited option may be available; call the company for details.)

$5,000 to $30,000.

ASPCA vs. Healthy Paws

Healthy Paws and ASPCA both offer a plan that covers accidents and illnesses including hereditary and congenital conditions, alternative therapies and prescription medicine. But Healthy Paws doesn’t cover certain things ASPCA does, like prescription food or the vet’s exam fee when your pet is sick or injured.

Healthy Paws offers more deductible and reimbursement options than ASPCA. However, Healthy Paws offers only this one plan and doesn’t provide wellness coverage or accident-only policies.

ASPCA’s waiting period is similar to that of Healthy Paws. ASPCA has a waiting period of 14 days for all conditions, while Healthy Paws has a 15-day waiting period in most states. It also has a 12-month waiting period for hip dysplasia if your pet is younger than 6. (Healthy Paws doesn’t cover hip dysplasia at all for pets enrolled at age 6 or older.)

Claim reimbursements with ASPCA may take longer than with Healthy Paws. Most Healthy Paws claims are completed within two to 10 days, while ASPCA reimburses claims within 30 days.

Coverage options


Healthy Paws


$100, $250 or $500.

$100 to $1,000 per year. (Not all options are available to all pets.)


70%, 80% or 90%.

50%, 60%, 70%, 80% or 90%. (Not all options are available to all pets.)

Annual limit

$3,000 to $10,000 per year. (An unlimited option may be available; call the company for details.)


Frequently asked questions

Does ASPCA cover dental care?

Both of ASPCA’s Preventive Care plans will cover dental cleanings. In addition, the company’s Complete Coverage insurance will cover certain dental care such as tooth extractions or cleanings to treat a covered illness. It will not cover dental procedures such as caps, crowns and root canals.

Does ASPCA cover spaying and neutering?

ASPCA’s Preventive Care Prime plan covers spraying and neutering.

How do you cancel an ASPCA policy?

To cancel your policy, email [email protected] , explaining your reason for cancellation.