Pet owners know that unexpected vet bills can hit harder than a squirrel on an espresso shot. That’s where ASPCA Pet Health Insurance comes into play, offering financial relief when your furry (or hooved) friend needs medical attention. But is it the right pet insurance for you? Let’s dig into the details and find out.
ASPCA Pet Health Insurance: A Quick Overview
ASPCA Pet Health Insurance, administered by PTZ Insurance Agency Ltd., has been offering coverage since 2006. Unlike the ASPCA nonprofit organization, this insurance brand operates separately but supports the same mission—making pet healthcare more accessible.
Best For:
- Pet insurance that includes horses
- Customizable plans with accident-only and comprehensive coverage
- Multi-pet households looking for discounts
Key Features:
- Deductible options: $100, $200, or $500
- Reimbursement rate: 70%, 80%, or 90%
- Claim turnaround time: Up to 30 days
- Enrollment age: 8 weeks and up (no upper age limit)
- Direct vet pay: Not available
ASPCA Pet Health Insurance Coverage Options
ASPCA offers a variety of plans designed to fit different needs and budgets. Whether you have an accident-prone pup, a horse with high maintenance costs, or a cat that thinks gravity is optional, there’s a plan that could work for you.
What’s Covered?
- Accidents: Injuries like bite wounds, broken bones, toxic ingestion, and swallowed objects.
- Illnesses: Chronic and acute illnesses, including cancer, diabetes, heart disease, and hip dysplasia.
- Behavioral Issues: Coverage for destructive chewing, excessive licking, and tail chasing.
- Alternative Therapies: Rehabilitation and treatments like acupuncture and chiropractic care.
- Preventive Care (Add-ons Available): Wellness exams, vaccinations, dental cleanings, and flea/tick prevention.
What’s Not Covered?
Like all insurance policies, ASPCA has exclusions:
- Pre-existing conditions (anything diagnosed before enrollment)
- Cosmetic procedures (declawing, ear cropping, tail docking)
- Breeding costs
- Experimental treatments
ASPCA Pet Insurance Plans & Customization Options
ASPCA allows policyholders to tweak their plans for a better fit.
Plan Options
Accident-Only Plan
Covers injuries, diagnostic tests, and emergency treatments but does not cover illnesses.Complete Coverage Plan
Includes everything from accidents to chronic diseases, hereditary conditions, and behavioral therapy.Basic Preventive Care (Add-On)
Covers wellness check-ups, vaccinations, and routine lab tests.Prime Preventive Care (Add-On)
Includes all Basic Preventive Care benefits plus dental cleanings, flea/heartworm prevention, and advanced screenings.
💡 Tip: If you own multiple pets, ASPCA offers 10% off for additional pets—a solid deal for multi-pet households.
Pros & Cons of ASPCA Pet Health Insurance
No insurance is perfect, but ASPCA Pet Health Insurance has some standout features that could make it a strong contender.
✅ Pros
✔ Covers horses—a rarity in the pet insurance world.
✔ Customizable plans—choose your reimbursement rate and deductible.
✔ Multi-pet discount—save 10% per additional pet.
✔ Short waiting period for orthopedic issues—just 14 days, compared to competitors requiring 6 months.
❌ Cons
❌ Claims processing can take up to 30 days—slower than some competitors.
❌ 14-day waiting period for accidents—longer than some rival policies.
❌ No direct vet payment option—pet owners must pay upfront and get reimbursed.
For alternatives with faster reimbursements, check out Healthy Paws Pet Insurance.
ASPCA Pet Insurance Cost Estimates
Pricing varies based on factors like pet breed, age, location, and chosen deductible. Here’s a snapshot of sample monthly premiums:
Estimated Monthly Premiums for Dogs (Arizona ZIP 85251)
| Breed | 2 Years Old | 5 Years Old | 8 Years Old | 10 Years Old |
|---|---|---|---|---|
| French Bulldog | $110 | $145 | $261 | $310 |
| Labrador Retriever | $76 | $100 | $181 | $253 |
| Golden Retriever | $62 | $101 | $181 | $253 |
| Dachshund | $44 | $47 | $80 | $146 |
Estimated Monthly Premiums for Cats
| Breed | 2 Years Old | 5 Years Old | 8 Years Old | 10 Years Old |
|---|---|---|---|---|
| Ragdoll | $28 | $33 | $50 | $71 |
| Maine Coon | $44 | $52 | $79 | $112 |
| Persian | $44 | $52 | $79 | $112 |
📌 Important: These rates are just estimates. Your actual quote may vary. To get an accurate price, visit ASPCA’s website.
How to File a Claim with ASPCA Pet Insurance
Submitting a claim is simple and can be done in multiple ways.
Filing a Claim via the ASPCA Pet Insurance App:
- Open the app and select “Claims.”
- Provide a brief description of your pet’s issue.
- Upload a photo of the vet invoice.
- Hit Submit—your reimbursement should be processed within 30 days.
If apps aren’t your thing, you can also file a claim online or send it via email, fax, or traditional mail.
For a seamless experience, learn more about filing claims here.
Final Thoughts: Is ASPCA Pet Health Insurance Worth It?
ASPCA Pet Health Insurance stands out for its customization options, multi-pet discounts, and horse coverage—a unique offering in the pet insurance space. While the 30-day claim processing time is slower than competitors, the comprehensive coverage and preventive care add-ons make it a solid choice for pet owners.
💡 Best for:
✔ Pet owners looking for horse coverage
✔ Those wanting customizable plans
✔ Multi-pet households needing discounts
❌ Not ideal for:
🚫 Pet parents needing instant reimbursements
🚫 Those who prefer direct vet payments
If a faster claim process is a priority, explore Embrace Pet Insurance, which offers reimbursements as fast as 5 days.
📍 Want to see how ASPCA compares? Check out the best pet insurance companies of 2025.