8.3
Tested Aug 21, 2026 by Team RankingRight
ASPCA Pet Health Insurance (Complete Coverage) review 2026
Covers exam fees, dental illness, behavioural treatment and microchipping, insures horses too, and re-covers curable conditions after a clear year
PriceFrom $45 · checked Sep 11, 2026
Labrador, age 245 $/mo
Cat, age 323 $/mo
Ranked#2 in Best Pet Insurance for Older Pets
Is the ASPCA Pet Health Insurance Worth It?
Best broad coverage at a mid price. No long orthopaedic wait and broad inclusions make this an easy policy to understand and use. The $10,000 ceiling is low for a serious cancer or orthopaedic year.
ASPCA Pet Health Insurance Pros & Cons
Pros
- Exam fees, dental disease, behavioural therapy and microchipping in the base policy
- No upper age limit; horses insurable too
- Single 14-day waiting period with no long orthopaedic exclusion
- Curable pre-existing conditions covered again after 12 months
Cons
- Annual limits top out at $10,000
- A percentage of premiums supports the ASPCA, which is a licensing deal rather than the charity underwriting it
- Claims handling slower than Lemonade or Healthy Paws
ASPCA Pet Health Insurance at a Glance
8.3
Editor Score
What is coveredAccidents, illness, hereditary and congenital conditions, dental disease, behavioural therapy, prescription food, exam fees — read from the policy, not the marketing page.
26/30Limits & exclusionsAnnual or per-condition payout caps, age limits, waiting periods, how a pre-existing condition is defined and whether curable ones can be reinstated.
18/20PriceMonthly premium for our four test pets at 80% reimbursement with a $500 deductible, and how much the premium rises with age.
15/20Claims & payoutHow claims are filed, published processing times, direct payment to the vet, and complaint volume in state insurance filings.
15/20Wellness & extrasOptional wellness plans, 24/7 vet lines, multi-pet discounts, deductible that shrinks in claim-free years.
9/10Reader ratingNo reader ratings yet — not part of the score
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Own one? Rate it:
Rubric v1: What is covered 30 · Limits & exclusions 20 · Price 20 · Claims & payout 20 · Wellness & extras 10. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.
Where to buy — prices checked Sep 11, 2026
ASPCA Pet Health Insurance specifications
Our quote: 2-year-old Labrador45 USD/mo
Our quote: 3-year-old domestic cat23 USD/mo
Reimbursement options70–90%
Deductible options$100–$500
Unlimited annual payoutNo ($3k–$10k annual)
Waiting periods14 days all conditions
Exam fees coveredYes
Dental illnessYes
Direct vet paymentNo
Wellness add-onYes, Preventive Care
Upper age limitNone
Why it scored 8.3
No long orthopaedic wait and broad inclusions make this an easy policy to understand and use. The $10,000 ceiling is low for a serious cancer or orthopaedic year.
Where it loses
Annual cap.
Still the right pick for
Owners who want wide cover without long waits.
ASPCA Pet Health Insurance8.3 · $45
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