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ASPCA Pet Health Insurance

 

ASPCA Pet Health Insurance is one of the oldest and most recognized pet insurance programs in the United States, with roots going back to 1997. The program operates under the trusted ASPCA brand through a strategic partnership with PTZ Insurance Agency, combining nearly three decades of pet insurance experience with the credibility of America's most well-known animal welfare organization. This review covers the program's coverage options, pricing structure, important brand distinctions, financial backing, customer feedback, and overall value as of 2025.

1997 Year Founded (PTZ Agency) 600K+ Pets Covered 2.2M+ Claims Processed No Limit Upper Enrollment Age

*ASPCA Pet Health Insurance is produced by PTZ Insurance Agency, Ltd. and underwritten by Independence American Insurance Company or United States Fire Insurance Company. The ASPCA® is not an insurer and does not underwrite policies.

⚠️ Important: The ASPCA Is Not the Insurer This is one of the most important distinctions in pet insurance: The American Society for the Prevention of Cruelty to Animals (ASPCA®) is not an insurance company and does not underwrite or administer pet insurance policies. The ASPCA Pet Health Insurance program is operated by PTZ Insurance Agency, Ltd. under a licensing agreement through which the ASPCA receives a royalty fee in exchange for use of its brand. Policies are underwritten by Crum & Forster subsidiaries (AM Best A). If you have a positive brand association with the ASPCA charity, be aware that your premiums do not fund the charity directly. Pet insurance is also a reimbursement model: you pay the vet, then submit claims for eligible reimbursement.

Company Background

Who Is ASPCA Pet Health Insurance?

PTZ Insurance Agency, Ltd. — the company that operates the ASPCA Pet Health Insurance program — was founded in 1997 and is one of the original pet insurance providers in the United States. Headquartered in Akron, Ohio (1208 Massillon Road), PTZ has been producing pet insurance for nearly three decades.

In 2006, PTZ entered a strategic partnership with the ASPCA to create the ASPCA Pet Health Insurance brand — combining PTZ's underwriting and administration expertise with the ASPCA's trusted national identity. The program has since insured more than 600,000 pets and processed over 2.2 million claims. Policies are underwritten by Independence American Insurance Company or United States Fire Insurance Company, both subsidiaries of Crum & Forster (AM Best A), itself part of the $40 billion Fairfax Financial Holdings group.

🐴 Unique: Covers Horses Too Unlike most pet insurance providers, ASPCA Pet Health Insurance offers a Colic + Accidents + Illnesses coverage plan specifically for horses. This is a rare and valuable option for equine owners that few competitors match.

Coverage

Coverage Options

ASPCA Pet Health Insurance covers dogs, cats, and horses. Plans are customizable and available in all 50 states. There is no upper age limit for enrollment, making it one of the few options available for older pets without restrictions.

Plan What's Covered
Complete Coverage℠ (Primary) Accidents, illnesses, hereditary conditions, congenital conditions, cancer, behavioral issues, exam fees, diagnostics, surgery, hospitalization, emergency care, prescription medications, alternative therapies (acupuncture, chiropractic, hydrotherapy). Dental: covers gingivitis and tooth extractions for dental accidents.
Accident-Only Coverage Covers injuries from accidents only. Lower-cost option, available for all ages including seniors.
Preventive Care Add-On Optional add-on reimbursing routine care: annual exams, vaccines, flea/tick/heartworm prevention, dental cleanings, and more. Available in two tiers.
Horse Plans Colic + Accidents + Illnesses and Colic + Accidents plans available for equine coverage — a unique offering in the pet insurance space.
💡 Curable Pre-Existing Conditions ASPCA Pet Health Insurance will consider coverage for curable pre-existing conditions if the pet has been symptom-free and treatment-free for 180 days — with the exception of knee and ligament conditions. This policy gives hope to owners whose pets have recovered from past illnesses.

Pricing

Pricing & Policy Customization

ASPCA Pet Health Insurance ranks #2 nationally for dog affordability per MoneyGeek's 2025 analysis. Premiums are competitive across the market, and no upper age limit means older pet owners have more options than with many competitors.

Policy Option Available Choices
Annual Deductible $100, $250, or $500 (additional options available on request)
Reimbursement Rate 70%, 80%, or 90%
Annual Coverage Limit $2,500 to unlimited (additional options available on request)
Avg. Monthly Premium (Dogs) ~$48/month; plans start at ~$16/month for young dogs
Avg. Monthly Premium (Cats) ~$30/month
Multi-Pet Discount 10% off for households with multiple enrolled pets

Waiting Periods

Waiting Periods Before Coverage Begins

ASPCA's 14-day accident waiting period is longer than some competitors who offer 2-day accident coverage. This is worth considering for owners who need immediate coverage.

Condition Type Waiting Period
Accidents 14 days — longer than most competitors who offer 2-day accident coverage
Illnesses 14 days
Cruciate Ligament / Orthopedic 6 months (standard for industry)

Customer Feedback

What Customers Are Saying

ASPCA Pet Health Insurance holds a 3.6/5 Trustpilot rating from over 6,400 reviews — below average for pet insurance providers. This is distinct from the ASPCA charity's Trustpilot profile, which reflects the organization overall. The program holds an A+ BBB rating (PTZ Insurance Agency). MoneyGeek ranks it #2 nationally for dog affordability.

Positive Themes

Competitive Pricing: Dog coverage ranked #2 nationally for affordability, with plans starting as low as $16/month for young pets.

No Age Limit: One of the few pet insurers with no upper enrollment age, making it a valuable option for senior pet owners.

Claims Experience: Positive reviews highlight quick claim payments, helpful customer service, and comprehensive coverage for major conditions.

  

Critical Themes

Claim Denials: A notable minority of reviews cite unexpected claim denials, particularly around pre-existing condition classifications and medical record requirements.

14-Day Accident Wait: The longer accident waiting period frustrates some users who need coverage to begin quickly.

Limited Annual Limits: Default limit options top out at $10,000, which may be insufficient for catastrophic care. Higher limits are available on request but not prominently marketed.

Industry Ratings

Third-Party Evaluations

Source Score Key Notes
BBB (PTZ Agency) A+ Highest possible BBB rating for PTZ Insurance Agency, which administers the program.
Trustpilot (Pet Insurance) 3.6 / 5 6,400+ reviews for aspcapetinsurance.com. Below average for pet insurance. Note: ASPCA charity (aspca.org) has a separate, unrelated Trustpilot profile.
Underwriter A.M. Best A (Excellent) Applies to Crum & Forster / US Fire Insurance (Fairfax Financial). Solid but below Embrace's A+.
MoneyGeek (Affordability) #2 (Dogs) Ranked second nationally for dog insurance affordability in MoneyGeek's 2025 analysis.

Assessment

Strengths & Weaknesses

Strengths

✓  One of the oldest pet insurers (since 1997) — nearly 30 years of experience

✓  No upper age limit for enrollment

✓  Covers horses — unique among reviewed providers

✓  #2 nationally for dog affordability

✓  A+ BBB rating (PTZ Insurance Agency)

✓  Covers exam fees, hereditary conditions, behavioral issues

  

Weaknesses

✕  14-day accident waiting period — longer than most competitors

✕  Trustpilot 3.6/5 — below average for pet insurance

✕  ASPCA brand is licensed — premiums do not fund the charity directly

✕  Default annual limit options lower than some competitors

✕  Mixed Reddit sentiment (36% positive)

The Verdict

Is ASPCA Pet Health Insurance Right for Your Pet?

ASPCA Pet Health Insurance is a solid, experience-backed option, particularly appealing for owners of older pets (no age limit), multi-pet households (10% discount), and horse owners. Its affordability for dogs, long track record, and comprehensive coverage make it a viable choice. However, the 14-day accident wait, below-average Trustpilot rating, and the important brand distinction — the ASPCA charity does not operate or benefit directly from these policies — are meaningful considerations.

✅ Best For ASPCA Pet Health Insurance is best for owners of senior dogs, multi-pet households seeking a discount, horse owners, and pet owners who value a long-established provider with broad breed and age coverage. It is a particularly strong value for dog owners prioritizing affordability without sacrificing comprehensive accident and illness protection.

References

  1. ASPCA Pet Health Insurance, About Us — Who We Are
  2. ASPCA, ASPCA Pet Health Insurance Partnership
  3. Trustpilot, ASPCA Pet Health Insurance Reviews
  4. MoneyGeek, ASPCA Pet Insurance Review (2026)
  5. Bankrate, ASPCA Pet Insurance Review (2026)
  6. U.S. News, ASPCA Pet Health Insurance Review (2026)
Product
ASPCA Pet Health Insurance
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By ASPCA Pet Health Insurance

ASPCA Pet Health Insurance
Very Good 4/5
⭐Best For: Senior pet owners and multi-species households who need no age cap, curable pre-existing flexibility, and coverage that extends to horses

The ASPCA Pet Health Insurance Program, administered by Crum & Forster Pet Insurance Group through C&F Insurance Agency, has been protecting pets since 1997 — making it one of the oldest pet insurers in the country. With more than 600,000 pets covered and 2.2 million+ claims processed, ASPCA combines brand trust with one of the most comprehensive and flexible policies available.

  • ✅ No Upper Age Limit — Senior Pets Fully Eligible: While most competitors cap new enrollments at age 14 or 15 (or restrict older pets to accident-only plans), ASPCA has no upper age limit on its Complete Coverage plan. If you're adopting a senior rescue or insuring a long-lived pet for the first time, ASPCA is one of the few carriers that will still write a full accident-and-illness policy.
  • ✅ Industry-Leading Curable Pre-Existing Window: ASPCA will cover curable pre-existing conditions as new occurrences after just 180 symptom-free days — half the 12-month window most competitors require. That's a meaningful edge for pets with a history of treatable issues like UTIs, ear infections, or GI upset. (Ligament and knee conditions remain excluded.)
  • ✅ Horse Coverage — Rare in the Market: ASPCA is one of the only major pet insurance providers to cover horses, with Colic + Accidents and Colic + Accidents + Illnesses plans plus two tiers of routine care. Equine owners typically have to shop specialty carriers; ASPCA lets you insure dogs, cats, and horses under one brand with a 10% multi-pet discount across species.
  • ✅ Comprehensive Complete Coverage Plan: ASPCA's Complete Coverage accident-and-illness plan covers the full menu — accidents, chronic conditions, hereditary and congenital conditions, behavioral therapy, alternative therapies, dental illness, and prescription medication — with customizable deductibles ($100–$500), reimbursement rates (70%, 80%, 90%), and annual limits up to unlimited. Reimbursement is simplified as a straight percentage of your actual invoice.
  • ✅ 24/7 Vet Telehealth & Trusted Brand Partnership: Every policy includes 24/7 access to licensed vet professionals through The Vet Connection, available right in the ASPCA mobile app alongside claims filing, deductible tracking, and a nationwide vet locator. Backed by the ASPCA's iconic brand through a licensing partnership, you're buying from a provider that's been in this business for nearly 30 years.
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