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ASPCA pet insurance review

4.0Best for pre-existing clarity

Curable pre-existing conditions can become eligible again after 180 symptom-free days.

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At a glance

Typical / mo$30–$80

Reimbursement70–90%

DeductibleAnnual, $100–$500

Annual limit$3,000–$10,000

Waiting periods14 days

Exam fees Covered

Dental illness Covered

Hereditary Covered

Wellness add-on Covered

What we like

Curable pre-existing conditions may regain coverage after 180 clear days
Exam fees and prescription food covered
Microchipping and behavioral issues included
10% multi-pet discount

Where it falls short

Annual limits top out lower than unlimited competitors
No unlimited payout option

Who ASPCA is right for

Pets with a resolved past issue that other carriers would permanently exclude.

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