ASPCA Pet Insurance: What Is Covers

ASPCA is one of the top pet insurance companies for 2024. It makes use of the U.S. Fire Insurance Company as an underwriter. And it has processed over 2.2 million claims since it was founded. Unlike some insurance companies, an exam is not required for your pet’s enrollment.

ASPCA pet insurance has a solid medical plan, just like the top pet insurers. It covers a lot, from accidents to illnesses, such as emergencies, cancer treatment, medications, and dental work. And it’s not just the basics; it also covers issues like inherited conditions and behavior problems. And even alternative treatments like acupuncture and hydrotherapy. Also, unlike some other top insurers, it pays for the vet visits needed for these treatments.

ASPCA can be the best option for people who want an affordable premium. And pet owners who want to save more can also go for the insurance company’s accident-only plan, which costs less than the main medical plan. Another good thing about this insurer is that it sells policies that cover horses.

ASPCA Pet Insurance Plans and Coverage

ASPCA’s pet health insurance is an accident and illness plan. They are the most common plans and cover most issues. You will have the choice to add a wellness plan. Keep in mind that this insurance company does not provide an accident-only plan.

Pet Accident and Illness Coverage

The pet health insurance provides complete coverage; the comprehensive plan covers illness and accidents. This plan covers various expenses, such as:

  • Injuries like torn ligaments, broken bones, and toxic ingestion
  • Various illnesses, such as digestive issues, ear infections, hypothyroidism, and urinary tract infections (UTI)
  • Medical services like MRIs, ultrasounds, and bloodwork
  • Congenital and hereditary conditions like intervertebral disc disease
  • (IVDD), heart disease, eye disorders, and hip dysplasia
  • Alternative therapies like chiropractic care and rehabilitative therapy
  • Chronic conditions like diabetes and cancer
  • Behavioral problems like destructive chewing, excessive licking, pacing, and fur pulling
  • Prescription medications
  • Microchip implantation

To help you save money on insurance, ASPCA provides wellness plans as an add-on to its policy. You will choose a preventive care package. And each of the plans covers specific services and has a maximum annual benefit amount. For instance, your plan may have a $50 maximum reimbursement amount annually for wellness examinations.

After you pay for the vet expenses, you will then submit a claim for reimbursement. Depending on the plan you choose, you can be reimbursed for expenses like wellness exams, dental cleanings, heartworm/flea prevention, blood screenings, spay/neuter, vaccinations, and urinalysis.

What Does ASPCA Pet Insurance not Cover?

Just like other policies, pet insurance excludes some problems from coverage. ASPCA policies do not cover

  • Breeding costs
  • Pre-existing condition that starts before the coverage begins
  • Cosmetic procedures such as tail docking, ear cropping, and claw removal

Although this insurer does not cover pre-existing conditions, your policy may cover a curable injury or illness. And free of treatment and symptoms for 180 days, excluding issues like ligament and knee conditions.

ASPCA Pet Insurance Coverage Levels

You can make your policy fit your budget. Choose how much you want to pay every year before your coverage starts, from $100 to $500. You can also pick your vet expenses reimbursement options from 70% to 90%. And decide on your annual spending limit, starting at $2,500 or going all the way up to unlimited.

If you’re okay with paying more upfront when your pet needs care, you can pay less for your insurance. Always remember that that means you might have to cover more of the vet bill yourself.

How Much Does it Cost?

Your pet insurance cost depends on several factors, such as where you live, type of pet, breed, coverage amount, reimbursement, and deductible level. Discuss with your insurance agent or visit the quote website to know how much your pet coverage will cost.

How Can I Purchase ASPCA Pet Insurance Policy?

Just so you know, this insurer sells its policy in all 50 states in the United States, including Washington, D.C. If you are ready to purchase your pet policy, just visit the ASPCA pet health insurance quote page at and request a quote.

Provide information about your pet’s sex, age, zip code, and type of animal. Decide if you want accident-only coverage or full coverage for your pet.

After that, adjust your deductible, annual limit, and payout percentage claims to alter the potential premium rate. Choose if you want to add an optional wellness plan to help cover costs such as vaccines, wellness exams, and neutering or spaying.

Ensure that you get discounts that you qualify for. For instance, the 10% discount for enrolling more than one pet.

How to File for an ASPCA Pet Insurance claim

  • File Window -270 days
  • Reimbursement Average Claim – 9 days
  • Reimbursement Maximum Time: 30 days
  • Methods of Reimbursement: direct deposit or check

The easiest and fastest way to submit a claim with this insurer is online through the member center or using the mobile app on your Android or iPhone.

To submit a claim, you need certain details, such as your name, address, contact information, signature on the claim form, and a description of the treatment and condition you are claiming.  Also, you will need to provide all applicable receipts, such as an itemized breakdown of the expenses incurred.

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