ASPCA Review

ASPCA offers four very flexible pet insurance policies to dogs and cats of all ages, though options may be a bit more limited for customers looking to add wellness coverage to their plan.

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ASPCA’s pet insurance plans have changed since this review was posted. The tiered-level system has been replaced with customizable plan structure. We are in the process of updating this review, and others like it. A full revision is forthcoming.

The Good

Flexible plan options

ASPCA pet insurance makes it easy to find a policy that fits your pet’s needs by giving you four different plans to choose from, each with different coverage limits. All of them offer a 90% reimbursement for any vet bills and your choice of three different deductibles. The Level 1 plan is a good choice if you’re on a tight budget or you just want a little bit of protection to give you some peace of mind. Levels 2 and 3 are more of your standard pet insurance policies, while Level 4 represents the highest level of protection. With these four plans, chances are you’ll be able to find one that suits your unique needs.

Insures pets of all ages

ASPCA doesn’t limit the amount of coverage available to older dogs and cats, which is very rare in the industry. You always have four different plans to choose from, each with different benefit limits. ASPCA pet health insurance also enables you to select how much you want to pay for your deductible and copay. This is relatively common in the pet insurance industry, but few offer as many choices to older pets as they do younger ones. If you’ve been having difficulty finding adequate coverage for your older dog or cat, ASPCA is one company you should definitely look into.

Two options for wellness coverage

ASPCA gives you a choice in how much wellness coverage you’d like to receive by offering you two options: the Routine Wellness package and the Advanced Wellness package. The Routine package is a good way to go if you want some wellness protection but don’t want to pay a high monthly fee. It covers heartworm and fecal screening, spaying/neutering, wellness exams, and some vaccines. The Advanced Wellness package is for people who want the most comprehensive protection for their cat or dog. It comes with higher benefit limits and additional coverage for certain vaccines not covered by the Routine plan. It also covers dental cleanings.

User-friendly quote tool

ASPCA’s quote tool enables you to purchase your policy online within a few minutes. First, you fill out a section detailing some basic information about your pet, like their name and age. Then, you’re brought to a page that lists the four levels of coverage and gives you a quote for each. You customize these quotes by changing the deductible and copay you’d like and by adding wellness coverage to your plan. From there, you just have to enter your billing information and choose your billing frequency. ASPCA gives you a number of choices here, including monthly, quarterly, semi-annually, and annually.

Covers behavioral therapy

If your pet suffers from a behavioral issue like destructive chewing or scratching, ASPCA pet insurance pays for you to get your pet diagnosed and treated for their condition. This also includes coverage for any lab tests or medications your pet needs. Behavioral therapy coverage is not a standard part of most pet insurance policies, but it’s undeniably useful if your pet has a bad habit you’ve been unable to break them of. This type of coverage is available with both the Level 3 and Level 4 plans from ASPCA.

The Bad

Wellness coverage not available with all plans

ASPCA does offer some nice wellness packages to their customers, but they’re only available to individuals who purchase Level 3 or Level 4 policies. This isn’t uncommon among pet health insurance providers, but it’s something you should note when getting your pet insurance quote from ASPCA. However, not all pet insurance companies offer wellness coverage in the first place so it’s nice to see ASPCA offering it to customers who are interested.

Hardly any ways to save

Although ASPCA does offer a pretty nice 10% savings for those who insure multiple pets on the same plan, that is about the extent of their discounts. Discounts among pet insurance providers aren’t as common as discounts with other types of insurance, but there are some that offer you a variety of ways to save on your premiums. If price is a big factor for you, you may want to check out Petplan USA or Petfirst Healthcare to see if their discounts could help make your plan more affordable.

The Details


  • Co-Payment: 10-30%
  • Deductible: $100, $250, or $500
  • Maximum Age of Pet to Be Insured: Unlimited
  • Maximum Annual Benefit: Unlimited
  • Maximum Benefit Per Incident: $2,500 - $7,000

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