ASPCA Pet Insurance

Behavioral coverage & no age restrictions

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ComprehensiveAccident Only

Est. monthly (dog)

~$44/mo

Est. monthly (cat)

~$31/mo

Reimbursement

70%, 80%, 90%

Annual deductible

$100–$500

Annual max

$3,000–$10,000

Age range

Any age

Illness wait

14 days

Accident wait

14 days

✗ No coverage for pre-existing conditions

Praised for

✓Covers exam fees, behavioral therapy, and alternative therapies
✓No upper age limit for illness enrollment
✓Preventive Care add-on starts immediately with no waiting period

Watch out for

✗Annual max caps on all plans (not unlimited)
✗Accident and illness both have 14-day waits

1 Reddit posts

Most upvoted Newest

All pets 🐶 Dogs 🐱 Cats

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r/puppy101🐶Apr 19, 2026

Pet insurance - which one to choose? 14 week Sheltie had for 6 days.

Does anyone else have pet insurance on their puppy? I looked into several different ones and settled on ASPCA, but I honestly didn't do much research beyond getting quotes. Now I'm wondering if I made a bad choice?