reimbursement70%, 80%, or 90%
Best for: Owners who want exam fees and behavioral coverage included with no orthopedic waiting period, at mid-range prices.
Insurer review
ASPCA Pet Health Insurance review
Best for: Owners who want exam fees and behavioral coverage included with no orthopedic waiting period, at mid-range prices.
Coverage terms at a glance
| Annual limits | $3,000 – $10,000 (Unlimited available in some states) |
|---|---|
| Reimbursement | 70%, 80%, or 90% |
| Deductible | $100 – $500 annual |
| Waiting periods | 14 days accidents and illnesses, no extended waiting period for cruciate ligaments or hip dysplasia |
Highlights
- Complete Coverage includes exam fees, behavioral issues, and microchipping
- No upper age limit for enrollment
- Two optional preventive-care add-on tiers
Pros and cons
Pros
- Exam fee coverage included
- No special orthopedic waiting period
- Accident-only plan available
- 10% multi-pet discount
Cons
- 14-day waiting period applies to accidents too — most rivals cover accidents sooner
- Lower maximum annual limits than top competitors
- Unlimited option restricted to select states
- Claims processing can be slower than app-first rivals
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Related reading
ASPCA Pet Health Insurance FAQ
How much does ASPCA Pet Health Insurance cost per month?
We don't publish a price for ASPCA Pet Health Insurance, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. ASPCA Pet Health Insurance is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
What are ASPCA Pet Health Insurance's waiting periods?
14 days accidents and illnesses, no extended waiting period for cruciate ligaments or hip dysplasia
What reimbursement does ASPCA Pet Health Insurance offer?
ASPCA Pet Health Insurance offers reimbursement options of 70%, 80%, or 90%, with annual limits of $3,000 – $10,000 (Unlimited available in some states) and deductible options of $100 – $500 annual.