ASPCA Pet Insurance Reviews: How It Stacks Up (2025)

The American Society for the Prevention of Cruelty to Animals (ASPCA) is a non-profit organization that offers information on taking care of pets and other animals. The organization also focuses on animal welfare, preventing cruelty, and rescuing animals as well as providing some shelter services.1

You can also get a health insurance policy through the ASPCA to protect your pet. Here’s what you need to know about ASPCA pet insurance policies to help you decide if this insurance company is right for you and your pet.

ASPCA pet insurance: Our verdict

ASPCA pet health insurance offers standard plans that have a degree of customization depending on your desired reimbursement rates and deductibles. ASPCA insurance is in line with other pet insurance companies, offering similar reimbursement rates, premiums, and deductibles.

You can choose deductible amounts of $100, $250, or $500 and reimbursement rates of 70%, 80%, or 90%.2

ASPCA offers annual coverage limits ranging from $5,000 to unlimited, but you can only select an annual limit of up to $10,000 without calling for a quote. To get access to an unlimited annual coverage limit, you need to call ASPCA for a quote. You don’t have to do this with some other pet insurance companies.

Finally, while ASPCA touts its app for submitting claims and managing your plan, it has negative reviews from users.

ASPCA pet insurance pros and cons

When evaluating the value of ASPCA pet insurance, consider the pros and cons along with comparing it to other pet insurance plans.

ASPCA pet insurance plans and coverages

ASPCA offers two standard plans for pet insurance, with one add-on plan.

What ASPCA pet insurance doesn’t cover

Most pet insurance companies, including ASPCA insurance, don’t cover pre-existing conditions under any pet insurance policy. You can download a sample policy on the ASPCA website to see the specific exclusions in your state.

But a pet insurance policy with the ASPCA generally won’t cover the following items:

• Breeding costs

• Cosmetic procedures that aren’t necessary for health, such as ear cropping or tail docking

• Experimental treatments

• Ligament and knee conditions that are pre-existing or occurred during the waiting period

• Supplements and vitamins

• Toys and other non-medical supplies for your pet

Read your policy documents to understand what it covers — and what it won’t cover.

How much does ASPCA pet insurance cost?

Like with any type of insurance, pet owners should be aware that different factors influence how much pet insurance costs through ASPCA. The breed of your cat or dog, as well as its age, matters.

Additionally, your level of reimbursement and your annual deductible will influence the cost. For example, if you choose a 90% reimbursement rate, you’ll pay more than if you have a 70% rate. Choosing a higher deductible can lead to a lower premium.

Cost of ASPCA dog insurance

Insurify looked at the cost of ASPCA dog insurance for a medium-sized, male mixed-breed dog that’s 2 years old.

The coverage is based on a location in Connecticut and an annual limit of $10,000, a deductible of $500, and an 80% reimbursement rate.

• Complete Coverage: $47.72 per month

• Accident-Only Coverage: $36.98 per month

• Basic Preventive Care: $9.95 per month

• Prime Preventive Care: $24.95 per month

Cost of ASPCA cat insurance

Insurify looked at the cost of ASPCA cat insurance for a female American shorthair that’s 2 years old.

The coverage is based on a location in Connecticut and an annual limit of $10,000, a deductible of $500, and an 80% reimbursement rate.

• Complete Coverage: $22.92 per month

• Accident-Only Coverage: $19.93 per month

• Basic Preventive Care: $9.95 per month

• Prime Preventive Care: $24.95 per month

Cost of ASPCA vs. competitors

Insurify compared ASPCA with several leading pet insurance companies. Here's how it stacks up against competitors Lemonade, Pets Best, and Pumpkin.

How customers feel about ASPCA pet insurance

In general, ASPCA gets good reviews on Trustpilot, with 4.1 stars out of 5.3 But even though customers are reasonably pleased with the pet insurance they receive, the Google app receives a lower rating of 2.9 stars out of 5. Here are some reviews from the last year on Trustpilot.

On Trustpilot, 73% of the reviews are for five stars, including this one that focuses on the peace of mind the insurance offers and the relief that comes when a pet needs unexpected treatment.

Another 11% of reviews are four-star reviews that say the plan is fair and offer tips on getting better results when submitting a claim.

Even though only 8% of reviews are for one star, they still exist. This is an example of a customer complaining about how difficult it is to use the app and feeling frustrated that a vet appointment wasn’t covered.

The bottom line: Is ASPCA pet insurance worth it?

In general, pet insurance is beneficial because, while you might pay some up-front costs, it can prevent large vet bills in the future. ASPCA pet insurance offers different policies and prices that are in line with other pet insurance companies.

But the app can be difficult to use, and unlimited coverage isn’t assumed. You might need to make a phone call if you want an insurance quote with an annual limit above $10,000.

ASPCA pet insurance FAQs