ASPCA Pet Insurance Review | The climb


Top perks

Easily customizable policies

ASPCA pet insurance offers pet owners the option of purchasing accident insurance or comprehensive coverage that pays vet bills due to injury or illness. There is also an optional preventative insurance package that pays for annual health checks, vaccinations, spay/neuter and more. Once the pet owner has chosen the coverage they want, they can customize their payment by choosing the deductible, annual coverage limit, and reimbursement percentage that best suits them.

Coverage for exams and microchips

ASPCA’s Complete Coverage package pays exam fees for eligible medical conditions as well as microchipping. Not all pet insurance providers do this, so pet owners interested in this coverage should take a closer look at ASPCA pet insurance.

Horse Guidelines

ASPCA is one of the few pet insurance providers to take out policies for horses in addition to dogs and cats.

No special waiting times for orthopedic questions

Most pet insurance companies have waiting periods of six months or more for orthopedic conditions, but ASPCA covers these conditions after a waiting period of 14 days. However, if a pet shows signs of an orthopedic problem upon registration, this is considered a pre-existing condition and will not be covered.

What could be improved

Maximum Annual Coverage Limit

ASPCA policies have an annual limit that sets the maximum amount the insurer will pay to care for the pet. While the owner has some control over this limit, the maximum is only $10,000. This is lower than what some of its competitors are offering and it might be too low for pets with chronic health conditions.

Waiting time in case of accidents

The waiting period for all ASPCA coverage is 14 days. While a waiting period of 14 days is usual in the case of illness, many other providers only have a waiting period of two or three days in the event of an accident.


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