ASPCA's pet insurance scores 3.35 out of 5 for cats and 3.85 for dogs in MoneyGeek's analysis. The provider excels in affordability, ranking second nationally for dog coverage, but ranks eighth in coverage options for both pets. ASPCA requires a 14-day waiting period for accident coverage, which is standard among most competitors.
ASPCA Pet Insurance Review
Updated: October 13, 2025
Advertising & Editorial Disclosure
ASPCA Pet Insurance Review: Key Takeaways
ASPCA ranks second in affordability for dog insurance and seventh for cat insurance, with monthly premiums of $48 for dogs and $30 for cats.
ASPCA ranks sixth nationally for customer experience, with its pet insurance services receiving mixed reviews on Trustpilot and maintaining an A+ rating from the Better Business Bureau.
Ranking eighth nationwide for coverage, ASPCA offers accident-only and complete coverage plans, with optional preventive care riders available at two coverage levels.
ASPCA Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 4.48 | 2 |
| Coverage | 2.61 | 8 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 3.85 | 5 |
WHO IS ASPCA PET INSURANCE BEST FOR?
ASPCA ranks among the best pet insurance companies for owners wanting low deductibles and unlimited payout limits. The provider includes hereditary conditions, behavioral issues and exam fees without extra charges. ASPCA's 14-day accident waiting period may not suit pet parents needing immediate coverage.
ASPCA Pet Insurance Ratings by State
ASPCA offers pet insurance nationwide across all 50 states. The company achieves moderate performance with its best overall ranking of fourth place for dogs in three states and seventh place for cats in one state. ASPCA shows stronger performance in affordability, ranking first for dogs in one state and second place in 36 states.
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Category:Overall Score
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Pet Type:Dog
| Alabama | 3.80 | 5 |
| Alaska | 3.65 | 7 |
| Arizona | 3.80 | 5 |
| Arkansas | 3.70 | 7 |
| California | 4.10 | 5 |
| Colorado | 3.90 | 5 |
| Connecticut | 3.70 | 5 |
| Delaware | 3.70 | 6 |
| Florida | 3.80 | 5 |
| Georgia | 3.90 | 5 |
| Hawaii | 3.75 | 6 |
| Idaho | 3.85 | 5 |
| Illinois | 3.80 | 5 |
| Indiana | 3.90 | 5 |
| Iowa | 3.90 | 5 |
| Kansas | 3.80 | 6 |
| Kentucky | 3.80 | 7 |
| Louisiana | 3.80 | 5 |
| Maine | 3.60 | 8 |
| Maryland | 3.65 | 7 |
| Massachusetts | 3.95 | 5 |
| Michigan | 3.80 | 5 |
| Minnesota | 3.90 | 5 |
| Mississippi | 3.85 | 5 |
| Missouri | 3.85 | 5 |
| Montana | 3.65 | 6 |
| Nebraska | 3.85 | 6 |
| Nevada | 3.85 | 4 |
| New Hampshire | 3.85 | 6 |
| New Jersey | 3.75 | 7 |
| New Mexico | 3.85 | 5 |
| New York | 3.75 | 5 |
| North Carolina | 3.90 | 5 |
| North Dakota | 3.75 | 6 |
| Ohio | 3.80 | 5 |
| Oklahoma | 3.90 | 4 |
| Oregon | 3.95 | 5 |
| Pennsylvania | 3.85 | 5 |
| Rhode Island | 3.85 | 5 |
| South Carolina | 3.65 | 8 |
| South Dakota | 3.80 | 4 |
| Tennessee | 3.80 | 5 |
| Texas | 3.80 | 5 |
| Utah | 3.85 | 5 |
| Vermont | 3.65 | 7 |
| Virginia | 3.90 | 5 |
| Washington | 3.85 | 6 |
| West Virginia | 3.85 | 5 |
| Wisconsin | 3.80 | 5 |
| Wyoming | 3.85 | 7 |
ASPCA Pet Insurance Comparison
See how APSCA pet insurance fares against national competitors below.
ASPCA vs. AKC | • Dogs: 3.85 vs. 4.30 • Cats: 3.35 vs. 3.85 | AKC has stronger coverage and customer experience, while ASPCA is more affordable for dogs. |
ASPCA vs. Embrace | • Dogs: 3.85 vs. 2.55 • Cats: 3.35 vs. 2.30 | ASPCA is the better choice, with stronger affordability and higher overall scores. |
ASPCA vs. Fetch | • Dogs: 3.85 vs. 2.70 • Cats: 3.35 vs. 2.95 | Fetch has better coverage, but ASPCA is more affordable and performs better overall. |
ASPCA vs. Figo | • Dogs: 3.85 vs. 3.60 • Cats: 3.35 vs. 3.80 | Figo has stronger coverage and slightly better cat affordability, while ASPCA is more affordable for dogs. |
ASPCA vs. Hartville | • Dogs: 3.85 vs. 3.50 • Cats: 3.35 vs. 3.90 | Hartville leads for cats, but ASPCA is stronger for dogs with higher affordability. |
ASPCA vs. Lemonade | • Dogs: 3.85 vs. 4.50 • Cats: 3.35 vs. 4.25 | Lemonade outperforms ASPCA with better affordability, coverage and customer experience for both dogs and cats. |
ASPCA vs. Liberty Mutual | • Dogs: 3.85 vs. 2.65 • Cats: 3.35 vs. 2.30 | ASPCA outperforms Liberty Mutual in affordability and overall scores. |
ASPCA vs. MetLife | • Dogs: 3.85 vs. 3.05 • Cats: 3.35 vs. 2.40 | ASPCA has stronger affordability and customer service, making it the better option. |
ASPCA vs. Nationwide | • Dogs: 3.85 vs. 2.50 • Cats: 3.35 vs. 2.65 | Nationwide has better customer experience, but ASPCA wins in affordability and overall performance. |
ASPCA vs. Pets Best | • Dogs: 3.85 vs. 4.05 • Cats: 3.35 vs. 3.80 | Pets Best has better coverage and customer service, but ASPCA is more affordable for dogs. |
ASPCA vs. Pumpkin | • Dogs: 3.85 vs. 3.70 • Cats: 3.35 vs. 4.15 | Pumpkin is more affordable and performs better for cats, while ASPCA has stronger affordability for dogs. |
ASPCA vs. Rainwalk | • Dogs: 3.85 vs. 4.05 • Cats: 3.35 vs. 3.95 | Rainwalk has superior customer service and coverage, though ASPCA is more affordable for dogs. |
ASPCA vs. Spot | • Dogs: 3.85 vs. 3.75 • Cats: 3.35 vs. 4.15 | Spot performs better for cats with stronger customer service, while ASPCA leads in dog affordability. |
How Much Does ASPCA Pet Insurance Cost?
ASPCA's pet insurance costs an average of $48 monthly ($580 annually) for dog coverage and $30 monthly ($352 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $48 | $60 | $580 | $723 | 20% |
| Cat | $30 | $32 | $352 | $379 | 7% |
ASPCA Pet Insurance Rates by State
ASPCA's rates vary by state due to local veterinary costs and claim patterns. APSCA offers the cheapest pet insurance for cats in South Carolina at $22 monthly and the most expensive coverage in Maryland at $46. For dogs, APSCA provides the lowest monthly rate in Arkansas at $36 and the highest in Maine at $64.
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Pet Type:Dog
| Alabama | $37 | $441 |
| Alaska | $51 | $615 |
| Arizona | $59 | $709 |
| Arkansas | $36 | $429 |
| California | $54 | $646 |
| Colorado | $59 | $706 |
| Connecticut | $58 | $691 |
| Delaware | $52 | $620 |
| Florida | $56 | $669 |
| Georgia | $43 | $511 |
| Hawaii | $51 | $613 |
| Idaho | $48 | $572 |
| Illinois | $60 | $723 |
| Indiana | $42 | $507 |
| Iowa | $40 | $476 |
| Kansas | $45 | $539 |
| Kentucky | $40 | $478 |
| Louisiana | $40 | $484 |
| Maine | $64 | $764 |
| Maryland | $52 | $627 |
| Massachusetts | $59 | $706 |
| Michigan | $49 | $583 |
| Minnesota | $49 | $585 |
| Mississippi | $42 | $498 |
| Missouri | $38 | $458 |
| Montana | $44 | $528 |
| Nebraska | $44 | $530 |
| Nevada | $49 | $591 |
| New Hampshire | $55 | $661 |
| New Jersey | $56 | $677 |
| New Mexico | $42 | $511 |
| New York | $54 | $652 |
| North Carolina | $43 | $511 |
| North Dakota | $39 | $470 |
| Ohio | $45 | $543 |
| Oklahoma | $40 | $479 |
| Oregon | $57 | $683 |
| Pennsylvania | $50 | $599 |
| Rhode Island | $43 | $512 |
| South Carolina | $50 | $596 |
| South Dakota | $44 | $529 |
| Tennessee | $45 | $541 |
| Texas | $52 | $627 |
| Utah | $46 | $551 |
| Vermont | $48 | $582 |
| Virginia | $51 | $606 |
| Washington | $58 | $691 |
| West Virginia | $41 | $497 |
| Wisconsin | $53 | $636 |
| Wyoming | $45 | $543 |
ASPCA Pet Insurance Rates by Breed
ASPCA premiums change based on your pet's breed. Cat owners pay $26 monthly for British Longhairs but $39 for Abyssinians. Dog premiums vary more, starting at $20 for small mixed breeds under 20 pounds and reaching $94 for Bullmastiffs. These price differences reflect each breed's health risks and veterinary costs.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $39 | $465 |
Is ASPCA Pet Insurance Expensive?
ASPCA ranks second in affordability for dogs but seventh for cats in our study. This makes it among the most affordable options for dog owners but not the cheapest for cat owners. Use the filterable table below to see costs based on your pet's age and your chosen deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$500
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Annual Limit:$5,000
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Reimbursement %:80%
| $58 | $700 | 19% |
ASPCA Pet Insurance Discounts
ASPCA provides pet insurance discounts that can lower your premium costs. The multi-pet discount offers the most value for families with several animals. Additional savings come through association memberships, employer benefits and veterinary staff discounts.
Multi-pet discount | 10% | Available when insuring more than one pet under separate policies |
Group or employee discount | 10% | Offered through participating employer benefit programs |
Association or member discount | 10% | Available to members of certain associations, such as REALTOR benefits programs |
Veterinary staff discount | Up to 10% | Available to employees of veterinary practices |
ASPCA Pet Insurance Customer Service Reviews and Ratings
ASPCA ranks sixth nationally for customer service with both cats and dogs. The company holds a high Better Business Bureau rating and receives moderate feedback on Trustpilot. Reddit users report mixed experiences with ASPCA's support team. Some customers praise helpful representatives, while others express frustration with claim processing delays and inconsistent response times from customer service.
ASPCA Trustpilot Reviews
ASPCA earns a 3.7 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with ASPCA's coverage, though some reviews mention concerns about pricing and claim processing times. Trustpilot collects verified reviews to give consumers honest feedback about companies.
ASPCA Better Business Bureau Rating
ASPCA holds an A+ rating from the Better Business Bureau, which is BBB's highest grade for business trustworthiness. The A+ rating shows ASPCA meets BBB standards for ethical business practices and effectively resolves customer complaints. This rating helps pet owners evaluate the company's commitment to customer service and business integrity.
ASPCA Pet Insurance Reddit Sentiment
Reddit users have mixed feelings about ASPCA pet insurance. Our analysis of eleven comments found 36% were positive, with four favorable reviews compared to seven negative ones. Users praised responsive customer service and clear policy language. Negative comments focused on claim denials and coverage gaps. These varied experiences highlight different outcomes with the ASPCA's claims process.
ASPCA Pet Insurance Coverage
ASPCA offers pet insurance coverage for dogs and cats. Pet owners can customize their policy by choosing from different coverage levels and adding optional wellness riders to match their budget and their pet's needs.
Deductibles | $100, $250, $500 |
Annual limits | $2,500 up to unlimited, depending on plan and state |
Reimbursement rates | 70%, 80%, 90% |
Accident-only coverage | Includes diagnostic tests, surgery, hospitalization, imaging, medications, microchip implantation and other accident-related expenses |
Complete Coverage℠ | Includes accident benefits plus illness coverage for hereditary and congenital conditions, chronic illnesses, cancer, prescription medications, behavioral issues, dental illness, alternative therapies and more |
Pre-existing conditions | Excluded, though some curable conditions may be eligible if the pet remains symptom-free for 180 days (excluding knee and ligament conditions) |
Waiting periods | 14 days for accidents, illnesses and most knee/ligament conditions |
Enrollment restrictions | Minimum enrollment age is around 8 weeks; no upper age limits for most pets |
Enrollment restrictions | No upper age limits or breed exclusions for enrollment |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
ASPCA Pet Insurance Coverage Add-Ons
ASPCA provides wellness add-ons that cover routine preventive care, including vaccinations, dental cleanings and wellness exams. These optional plans have no deductibles or waiting periods, giving pet owners immediate reimbursement for preventive services after enrollment.
Preventive care – basic | Covers wellness exams, core vaccines, deworming, screening tests and parasite prevention |
Preventive care – prime | Includes all Basic benefits plus spay/neuter, dental cleaning, bloodwork, urinalysis and additional vaccines |
Is ASPCA Pet Insurance Good: Bottom Line
ASPCA charges an average of $48 monthly for dog insurance and $30 for cat coverage. The company ranks sixth nationally for customer experience and maintains moderate ratings from Trustpilot and the Better Business Bureau. Pet owners can select from accident-only plans, comprehensive accident and illness coverage or add optional wellness benefits to customize their protection.
ASPCA Pet Insurance Review: FAQ
Common questions about ASPCA pet insurance coverage are answered below.
Is ASPCA pet insurance worth it in 2025?
ASPCA pet insurance offers solid value in 2025, particularly for dog owners. The provider ranks second nationally for dog affordability and maintains moderate customer experience scores across both pets. With average premiums of $48 monthly for dogs and $30 for cats, ASPCA provides competitive pricing that makes coverage accessible for most pet owners.
What do Reddit users really think about ASPCA pet insurance?
Reddit users show mixed feelings about ASPCA pet insurance. Our data reveals 36% positive sentiment, with 4 favorable comments versus 7 negative ones. Reddit discussions highlight similar patterns: users often praise helpful customer service representatives, but many criticize slow claim processing and unexpected coverage exclusions that left them with higher out-of-pocket costs.
Does ASPCA cover pre-existing conditions for pets?
ASPCA pet insurance excludes pre-existing conditions from coverage. However, curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 consecutive days. Chronic conditions and ligament or knee problems typically remain permanently excluded from coverage.
Can I get a discount for insuring multiple pets with ASPCA?
ASPCA offers a 10% multiple pet discount when you insure two or more pets on the same policy. You can also access additional savings through AAA membership discounts, workplace benefit programs, and other partner offers available through ASPCA.
Is ASPCA pet insurance available in my state?
Yes, ASPCA pet insurance is available nationwide in all 50 states for cats and dogs. Premium costs vary by location. Cat coverage starts at $22 monthly in South Carolina and reaches $46 in Maryland. Dog insurance ranges from $36 per month in Arkansas to $64 in Maine.
How We Rated ASPCA Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how APSCA performs across the following key areas:
Affordability (50% of score): We gathered premium data across various pet breeds, ages and plan options, incorporating available discounts to reflect the actual costs pet owners pay.
Customer Experience (30% of score): This assessment draws from real user reviews and ratings on platforms like Trustpilot and Reddit to gauge genuine customer satisfaction.
Coverage Options (20% of score): We examined policy benefits, available add-ons and overall protection breadth to assess how well plans meet diverse pet owner needs.
Our pricing analysis used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "PTZ Insurance Agency, Ltd." Accessed October 15, 2025.
- Trustpilot. "ASPCA Pet Health Insurance ." Accessed October 15, 2025.