ASPCA Pet Health Insurance is built around an inclusive base plan — exam fees, dental illness and behavioral care are all included — with no upper age limit and a flat 14-day wait. In this 2026 review we cover what it includes, its pricing and waiting periods, the pros and cons, and who it's best for.
ASPCA at a glance
| ComparePetCover rating | 4.0 / 5 |
| Annual limits | $3,000 – Unlimited (by plan) |
| Deductibles | $100 · $250 · $500 (annual) |
| Reimbursement | 70% · 80% · 90% |
| Exam fees | Included ✓ |
| Waiting period | 14 days for all conditions |
| Best for | Inclusive base coverage, older pets, brand trust |
What ASPCA covers
ASPCA's Complete Coverage plan is built to include what many insurers charge extra for:
- Vet exam fees included for accidents and illnesses.
- Dental illness and behavioral issues covered as standard.
- Hereditary and congenital conditions, plus microchipping in some plans.
- Optional Preventive Care add-on for routine care (vaccines, wellness exams, dental cleaning).
- No upper age limit for enrollment.
Because exam fees, dental illness and behavioral care are in the base plan, the ASPCA plan is genuinely inclusive without stacking add-ons — and there's an accident-only option if you want a cheaper entry point.
Plans, limits & pricing
ASPCA pricing is mid-market for the inclusive coverage. Representative 2026 ranges (vary by breed, age and state):
| Pet | Typical ASPCA premium (/mo) |
|---|---|
| Dogs | $35 – $75 |
| Cats | $18 – $40 |
A multi-pet discount is available. Because exam fees and behavioral care are already in the base plan, the premium is more of an all-in figure than insurers whose low headline price excludes those extras — compare like-for-like.
Pros
- Exam fees, dental illness & behavioral included in the base plan
- No upper age limit for enrollment
- Flat 14-day waiting period for all conditions
- Accident-only option and optional preventive care
- Trusted ASPCA brand
Cons
- Underwritten/administered under license — read the specific policy terms
- Not the rock-bottom cheapest headline premium
- No standout app or direct-vet-pay feature
- Pre-existing conditions excluded (all insurers)
Waiting periods & exclusions
ASPCA applies a flat 14-day waiting period for all conditions, including orthopedic — faster than the 6-month orthopedic wait many competitors impose. Pre-existing conditions are excluded, though a curable condition that stays symptom-free may be reconsidered per policy terms. Enroll while your pet is healthy.
How claims & reimbursement work
You file claims online, by app or by email, and use any licensed vet. Reimbursement is 70%, 80% or 90% after your annual deductible. It's a pay-first reimbursement model. A portion of proceeds supports the ASPCA's mission (the insurance is licensed under the ASPCA brand).
Who ASPCA is best for
ASPCA Pet Health Insurance suits owners who want an inclusive base plan (exam fees + dental + behavioral) without add-ons, those with older pets (no age cap), and anyone who values the ASPCA brand. If you want the lowest headline price or a slick app, compare against budget and app-first insurers.
How ASPCA compares
Premiums and coverage vary by pet, breed, age and your state. See how ASPCA stacks up in our full provider comparison, or check average pet insurance costs in your state.
Frequently Asked Questions
Does ASPCA pet insurance cover exam fees?
Yes — vet exam fees for accidents and illnesses are included in the Complete Coverage base plan, along with dental illness and behavioral care.
Is there an age limit with ASPCA?
No — there's no upper age limit for enrollment, making it a good option for older pets.
What is ASPCA's waiting period?
A flat 14 days for all conditions, including orthopedic — faster than the 6-month orthopedic wait some competitors use.
Who underwrites ASPCA pet insurance?
It's offered under the ASPCA brand and administered/underwritten by an insurance group (Crum & Forster / Independence American); a portion of proceeds supports the ASPCA.
Compare: Spot · Lemonade · Embrace · Pumpkin · Fetch · Healthy Paws · Figo · MetLife · AKC · Prudent Pet · Trupanion · Nationwide · Pets Best · ManyPets · All reviews