In-Depth Review
ASPCA Pet Health Insurance Review
Our Verdict
A solid mid-tier option with strong brand recognition and competitive pricing. The ASPCA name carries trust, though the insurance is actually administered by Crum & Forster (not the ASPCA itself). Good coverage options with an unlimited tier available, but the 14-day waiting periods and mid-range claims speed keep it behind the top carriers.
Coverage Limit
$5,000–Unlimited annual
Monthly Premium
$20–$75
Deductible Options
$100, $250, $500
Reimbursement
70%, 80%, 90%
Quick Facts
Pros
- Trusted ASPCA brand name
- Unlimited coverage option available
- Optional preventive care add-on
- 10% multi-pet discount
- No upper age limit for enrollment
Cons
- —Not actually operated by the ASPCA (licensed name only)
- —14-day waiting period for both accidents and illnesses
- —Lower coverage tiers ($5K) may be insufficient
- —Claims processing slower than top competitors
- —Premiums increase significantly with age
Overview
ASPCA Pet Health Insurance leverages one of the most trusted names in animal welfare, though the insurance is actually administered by Crum & Forster under a licensing agreement. The ASPCA receives a royalty fee for the use of its name and logo.
Despite this, the product itself is solid. The Complete Coverage plan offers accident and illness protection with an optional unlimited annual limit, and the preventive care add-on covers routine exams, vaccinations, and dental cleanings.
Coverage Details
The Complete Coverage plan covers accidents, illnesses, hereditary conditions, behavioral issues, alternative therapies, and prescription medications. Coverage limits range from $5,000 to unlimited annually.
The optional Preventive Care add-on covers wellness exams, vaccinations, flea/tick prevention, heartworm testing, dental cleaning, and microchipping. Two tiers are available with different annual allowances.
Pricing & Premiums
ASPCA premiums are competitive, starting around $20/month for cats and $30/month for young dogs with higher deductibles. Choosing unlimited coverage with a $100 deductible and 90% reimbursement pushes premiums to $50–$75/month.
The 10% multi-pet discount helps for multi-pet households. However, premiums increase notably as pets age, which is common across the industry but worth planning for.
Claims Experience
Claims are submitted through the ASPCA Pet Health Insurance app or web portal. Processing typically takes 5–14 business days, which is average for the industry.
Reimbursement is based on actual vet bills, and direct deposit is available. The claims interface is straightforward and includes itemized explanations of benefits.
Expert Take
From Mike Donaldson, AAI, PRC, SBCS, CCIC
The ASPCA name carries enormous trust — but here is what most people do not realize: ASPCA Pet Health Insurance is not actually run by the ASPCA. It is administered by Crum & Forster, a Fairfax Financial subsidiary. The ASPCA licenses its name. This does not make the insurance bad — Crum & Forster is a solid underwriter — but it is worth knowing that you are not buying insurance from the animal welfare organization itself.
The coverage is genuinely competitive. The unlimited annual limit option puts ASPCA in the same tier as Healthy Paws and Trupanion for catastrophic coverage. Pricing tends to be moderate — not the cheapest (that is Lemonade or Spot), but not the most expensive either. It is a solid middle-of-the-road option.
The 14-day waiting periods for both accidents and illness are the main drawback. Most competitors have moved to shorter accident waiting periods (2–5 days), and ASPCA has not kept pace. If you are enrolling a new pet and want coverage to kick in quickly, Spot or Lemonade will get you there faster.
Ready to Get Covered?
Compare ASPCA with our top-rated carrier, Healthy Paws.
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