ASPCA Pet Health Insurance review
Underwritten by United States Fire Insurance Company · Updated 2026-11-09
Very good
How we scoreWhat's covered, and what isn't
The key terms of a ASPCA plan. Tap the source under any item to see the exact wording, or read the full ASPCA sample policy.
Accident waiting period
14 days
“There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.”
Open document, page 4retrieved 2026-11-09
Illness waiting period
14 days
“There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.”
Open document, page 4retrieved 2026-11-09
Knee & hip (orthopedic) wait
14 days (ligament and knee conditions; no separate longer orthopedic period)
“There is a 14 day waiting period for: diagnosis, treatment or surgery related to accidents, illnesses and ligament and knee conditions.”
Open document, page 4retrieved 2026-11-09
Pre-existing conditions
Excluded. Curable conditions cured and free of treatment and symptoms for 180 days become a new occurrence (not ligament/knee) (from a 2020 sample form; newer forms may be stricter on chronic conditions).
“If your pet's pre-existing condition is curable and has been cured and free from treatment and symptoms for a period of 180 days it is a new occurrence. This does not apply to ligament and knee conditions.”
Open document, page 4retrieved 2026-11-09
Dental illness
Dental disease is not named as its own benefit; covered under general illness. Tooth extractions are a listed benefit; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded.
“Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.”
Open document, page 5retrieved 2026-11-09
Deductible
Annual deductible; amount options not stated in policy
“Your annual deductible amount is listed on the declarations page and applies during each policy period.”
Open document, page 6retrieved 2026-11-09
Annual limit options
Not stated in the documents we could read.
Maximum enrollment age
Not stated in the documents we could read.
What ASPCA customers say
What customers say
“...I’ve never had a problem with claims, but mistakenly sent some claims in by mistake that had already been filed due to Allie had been diagnosed back in March 2026 with crystal bladder stones....”
Linda P. · Trustpilot review
“Easy process to submit a claim.”
D T. · Trustpilot review
Compare ASPCA with
ASPCA: common questions
How long is the ASPCA waiting period?+
In the policy document we read: accidents, 14 days; illness, 14 days; knee and hip conditions, 14 days (ligament and knee conditions; no separate longer orthopedic period). Waiting periods can differ by state.
Does ASPCA cover pre-existing conditions?+
Excluded. Curable conditions cured and free of treatment and symptoms for 180 days become a new occurrence (not ligament/knee) (from a 2020 sample form; newer forms may be stricter on chronic conditions). (from the ASPCA policy document).
Does ASPCA cover dental disease?+
Dental disease is not named as its own benefit; covered under general illness. Tooth extractions are a listed benefit; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded. (from the ASPCA policy document).
This page reads a sample ASPCA policy. Terms vary by state and change over time. It is not insurance advice, and we are not an insurance agent. No insurer pays us today.