ASPCA Pet Health Insurance
$15–$70/month
ASPCA Review Summary
ASPCA Pet Health Insurance, underwritten by Independence American Insurance, leverages one of the most trusted brands in animal welfare to offer genuinely comprehensive coverage. Their policy covers what most others miss: exam consultation fees, behavioral therapy, and alternative treatments like acupuncture and chiropractic — all in the base plan. The brand trust also means you're working with an organization that has institutional knowledge of animal health. The downsides: pricing is on the higher end for the coverage level, and claims processing can be slower than tech-forward competitors like Lemonade. Still, for owners who want one plan that covers everything without reading the fine print, ASPCA delivers.
Pros & Cons
✅ Pros
- ✓Brand recognition and trust from the ASPCA name
- ✓Comprehensive coverage including exam fees and behavioral therapy
- ✓Alternative therapies covered
- ✓No upper age limit
- ✓Microchip and vacation cancellation included
⚠️ Cons
- ✗Premium pricing for the coverage level offered
- ✗Claims processing can be slow (up to 30 days)
- ✗Some reported issues with pre-existing condition definitions
- ✗Customer service inconsistency
Coverage Details
| Monthly Premium | $15–$70 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited |
| Accident Waiting Period | 3 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✓ Covered |
| Exam Fees | ✓ Covered |
| Behavioral Therapy | ✓ Covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✓ Covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ dental illness
- ✓ exam fees
- ✓ behavioral therapy
- ✓ alternative therapies
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ elective procedures
- ✗ breeding costs
- ✗ grooming
- ✗ parasites (without wellness add-on)
Best For
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