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ASPCA Pet Health Insurance Review

Reviews 5,641
ASPCA Pet Health Insurance
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ASPCA Pet Health Insurance
ASPCA Pet Health Insurance
Reviews 5,641
Jacob Parker
Jun. 25, 2023
4 min read
Jacob Parker
ASPCA Pet Health Insurance Summary
ASPCA® Pet Health Insurance plans are offered by PTZ Insurance Agency, Ltd. with the same devotion to caring for animals that has defined the efforts of The Society for the Prevention of Cruelty to Animals® (ASPCA®). PTZ Insurance Agency, Ltd. markets the company’s products directly to consumers, through veterinary practices, and to employers, associations, and brokers.


  • Discounts for multiple pets
  • Preventative care options
  • Up to 90% of costs covered


  • Pregnancy-related costs excluded
  • Not a direct underwriter

ASPCA Pet Health Insurance at a glance

Editorial score

Online experience

Great site with learning resources

Customizable rates and services

Customizable plans and rates, 70-90% reimbursement No upper age limit

Claims payout waiting period

Within 30 days

Customer support

Evening and weekend customer service available


Multi-pet and multi-policy bundles available

ASPCA Pet Health Insurance ASPCA Pet Health Insurance Visit Site

What’s Covered? 

Depending on the specific plan you go for, The ASPCA Pet Health Insurance Program will cover the cost of a variety of treatments for your furry friends. If you go for the highest level of coverage offered by this provider, costs relating to accidents, illnesses, and behavioral problems will be covered. 

The ASPCA Pet Health Insurance Program even pays out for alternative therapies and congenital condition-related costs. What’s more, if you select the right add-on to your plan, the company will also cover preventative care services.

Insurance Plans & Pricing

The ASPCA Pet Health Insurance Program’s pricing system is relatively straightforward. There are two basic plans to choose from as well as a handful of preventative care add-on packages. Whichever one you opt for, it’ll cost less if you pay upfront for a year because The ASPCA Pet Health Insurance Program adds on a $2 transaction fee to monthly bills.


The cheapest ASPCA Pet Health Insurance plan is the Accident-Only Coverage package. Depending on your pet’s characteristics, like breed and age, and the deductible, coverage limit, and reimbursement levels you select, this plan could cost as little as $14 per month.

Complete Coverage

Customers looking for additional peace of mind might want to select ASPCA Pet Health Insurance’s Complete Coverage package. Besides accidents, the Complete Coverage plan will pay out for costs incurred due to illness, behavioral issues, and more. 

If needed to treat a covered condition, the Complete Coverage package can even be used to pay for prescription foods and supplements. The ASPCA Pet Health Insurance Program quoted us $26.97 per month to cover our three-year-old medium-sized mutt, with a low coverage limit and a $500 deductible, under the Complete Coverage plan.

Preventative Care

For $9.95 per month, you can add Basic Preventative Care package to your Accident-Only or Complete Coverage plan. Doing so will get you a total of $250 worth of annual benefits to go towards things such as a rabies vaccine, deworming, and wellness exams.

Also available is a $24.95 per month Prime Preventative Care plan which bumps your benefits up to $450 annually and adds coverage for flea prevention treatments and blood tests.

What's Not Covered

Even with The ASPCA Pet Health Insurance Program’s Complete Coverage subscription, some costs won’t be covered. Pre-existing conditions, cosmetic procedures, and breeding costs are all excluded from this provider’s plans.

Waiting Periods

Once you enroll your pet in an ASPCA Pet Health Insurance plan, you’ll have to wait at least 14 days before the policy kicks in and your costs begin to be covered by the service. Claims and reimbursements are processed by the ASPCA Pet Health Insurance Program within 30 days or less.

Coverage Limits

When configuring your plan, you’ll need to choose a coverage limit between $3,000 and $10,000. This is an annual cap that gets reset on the anniversary of your subscription.

Reimbursement and Deductibles

The ASPCA Pet Health Insurance Program reimburses 70% to 90% of costs for covered treatments and deductibles of $100, $250, and $500 are on offer. For example, if you were to opt for a $250 deductible with an 80% reimbursement rate, and then incurred $1,000 of treatment costs in the first year of your plan, you’d end up being paid back $600.

Claims and Service

All you have to do to submit a claim with The ASPCA Pet Health Insurance Program is log in through the company’s mobile app, write a summary detailing your expenses, and attach a picture of your invoice.

The ASPCA Pet Health Insurance Program’s customer service team is available during standard ET business hours. You can get in touch over the phone or via email.

What You Might Like

Even though The ASPCA Pet Health Insurance Program’s insurance is technically underwritten by Independence American Insurance Company (NAIC #26581), by taking out coverage with this provider, you’ll be contributing to a reputable humane charity.

What ASPCA Could do Better

Although many previous customers report having positive experiences with The ASPCA Pet Health Insurance Program’s pet insurance service, others complain of justified claims being rejected and long waits for reimbursements.

Contact Details and Address

You can get in touch with The ASPCA Pet Health Insurance Program’s customer service team by calling 1-(866)-204-6764 or emailing cservice@aspcapetinsurance.com

PTZ Insurance Agency, Ltd. Domiciled in Illinois with offices at 

1208 Massillon Road, Suite G200

Akron, Ohio 44206.

How ASPCA Pet Health Insurance Compares

Waiting period14 days14 days
Reimbursement rate70% to 90%90%
Annual deductible$100 to $500$100 to $500
Coverage limit$3,000 to $10,000$7,000 or $15,000 for cats,
$10,000 or $20,000 for dogs

Bottom Line

The ASPCA Pet Health Insurance Program can help you to feel confident that you’ll be able to afford unforeseen costs related to your pet’s health while supporting an important nationwide humane society.


To evaluate The ASPCA Pet Health Insurance Program’s services, we explored the company’s website, requested quotes, and researched the experiences of previous customers via review aggregation services.

ASPCA Pet Health Insurance ASPCA Pet Health Insurance Visit Site


Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

The ASPCA is not an insurer and is not engaged in the business of insurance. Insurance products are underwritten by Independence American Insurance Company (NAIC #26581. A Delaware insurance company headquartered located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254). Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).

Jacob Parker
Written by
Jacob Parker
Jacob Parker is a financial and technology writer. With a background in climate science, he's deeply interested in the intersection of fintech and sustainability and has a passion for impact investing and ESG research. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about ASPCA Pet Health Insurance
Great • Reviews 5,641
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1 week ago
Great experience the app is so easy to…
Great experience the app is so easy to post claims. Overall best insurance policy for my fur baby
Stephen J
3 weeks ago
Insurance is comprehensive and…
Insurance looks comprehensive and economical
Jodi Cooper
3 weeks ago
Excellent customer service
Excellent customer service! I can’t recommend them enough!
Regina Mauras
4 weeks ago
Claims are easy to file
Claims are easy to file, and are paid quickly!
4 weeks ago
Satisfied Customer
Claim filing was simple in the two instances I have filed a claim. Reimbursement was according to the purchased plan and done quite quickly. Overall- Satisfied.