ASPCA Pet Insurance
Founded in 2006. Available in 50 states. BBB rating: A+. AM Best: A.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$25–$50/mo
Young dog
$40–$75/mo
Senior
Medium dogs
25–60 lbs
$35–$65/mo
Young dog
Large dogs
> 60 lbs
$45–$85/mo
Young dog
$60–$120/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$50–$95/mo
Plan options
Coverage details
What ASPCA covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Optional preventive care wellness plan
- ✓ Behavioral coverage included
- ✓ No upper age limit for enrollment
- ✓ Comprehensive coverage including dental illness
- ✓ Backed by trusted ASPCA brand
Weaknesses
- ✗ 14-day accident waiting period
- ✗ 6-month cruciate ligament wait
- ✗ Underwritten by Crum & Forster not ASPCA directly
- ✗ Wellness add-on costs extra
Best for
- → owners wanting optional wellness add-on
- → those needing behavioral coverage
- → comprehensive coverage seekers
Less ideal for
- → those wanting instant claim payouts
- → owners needing orthopedic coverage quickly
- → budget shoppers wanting bare-bones plans
Frequently asked questions
How much does ASPCA cost?
ASPCA premiums start at $25/month for small young dogs and range up to $120/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does ASPCA cover hereditary conditions?
Yes, ASPCA covers hereditary and breed-specific conditions.
What is ASPCA's waiting period?
ASPCA has a 14-day accident waiting period and 14-day illness waiting period. Orthopedic conditions have a 0-month wait.
Is there an age limit for ASPCA?
No, ASPCA has no upper age limit for enrollment.
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Last verified: 2026-05-16