ASPCA Pros and Cons
✔ Has a 30-day money-back guarantee if you change your mind
✔ Offers a 10% multi-pet discount
✔ Provides coverage for cats, dogs, and horses
✘ Has a longer waiting period for accidents (14 days) than some providers
✘ Has per-item limits for each wellness benefit
✘ Requires you to call for a quote if choosing unlimited coverage
ASPCA Plans and Coverage
ASPCA Pet Health Insurance offers accident-only coverage for injuries such as cuts, broken bones, bite wounds, toxic ingestions, and swallowed objects. Also offered is an accident-and-illness plan (called Complete Coverage) which covers the injuries above and treatment and procedures for diseases, conditions, and emergencies, including chronic conditions, cancer, digestive issues, behavior problems, breed-specific conditions, and more. ASPCA’s base plan also covers alternative therapies (including chiropractic care, rehabilitation, and stem cell therapy) in its standard plan.
ASPCA has no upper age limits for enrollment in coverage. While it does not cover incurable preexisting conditions, once a pet has healed and remained symptom-free from a curable condition after 180 days, ASPCA will no longer consider that particular condition preexisting.
ASPCA also offers a preventive care add-on at a Basic or Prime level. It covers routine treatments, such as wellness exams, vaccinations, and dental cleanings, each with different annual limits. The Basic plan covers up to $250 per year, and Prime covers up to $450.
ASPCA Insurance Cost
Based on our research, ASPCA’s Complete Coverage plan ranges from $26.59 and $91.50 per month for dogs and $16.09 and $59.96 per month for cats.
Learn More: ASPCA Pet Health Insurance Review