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Is ASPCA Pet Insurance the right choice for your dog or cat in 2024? We analyze customizable plans with up to 90% reimbursement, unlimited payouts, and real costs for breeds like Labs and Persians. Pros, cons, comparisons to Embrace and Lemonade, plus user ratings to guide your decision.
Quick Pick
Top Recommendation: ASPCA Pet Insurance
Flexible coverage with unlimited options and quick claims. Ideal for pet parents seeking reliable protection.
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Pet ownership comes with unexpected vet bills—from sudden accidents to chronic illnesses—that can strain your budget. ASPCA Pet Insurance, underwritten by MetLife Pet Insurance, stands out for its adaptable plans tailored to dogs and cats. Whether you're insuring a playful puppy or a senior feline, this provider offers accident-and-illness coverage with optional wellness perks.
In our 2024 analysis, we evaluated ASPCA based on coverage depth, pricing transparency, claims speed, and customer satisfaction. With reimbursement rates up to 90% and no upper age limit for sign-ups, it's a solid contender. But does it deliver for everyday pet parents? Let's dive into the details, including a head-to-head comparison.
We compared ASPCA to popular alternatives like Embrace, Lemonade, and Figo using key metrics. All data reflects 2024 plan options for a typical 3-year-old mixed-breed dog.
| Provider | Reimbursement Rates | Deductible Options | Annual Coverage Limit | Wellness Add-On | Customer Rating (out of 5) | Avg. Monthly Cost (Labrador) |
|---|---|---|---|---|---|---|
| ASPCA | 70%, 80%, 90% | $100, $250, $500 | $5,000 or Unlimited | Yes (limited states) | 3.5 (1,500+ reviews) | $45-55 |
| Embrace | 70%, 80%, 90% | $100, $250, $500 | Unlimited | Yes | 4.2 | $40-60 |
| Lemonade | 70%, 80%, 90% | $100, $250, $500 | Unlimited | No | 4.0 | $30-50 |
| Figo | 70%, 80%, 90%, 100% | $100-$1,000 | Unlimited | Yes | 4.1 | $35-55 |
| MetLife Pet | 70%, 80%, 90% | $100, $250, $500 | $5,000 or Unlimited | Yes (select) | 3.6 | $42-52 |
Notes: Costs vary by age, breed, location. Ratings aggregated from major review sites. ASPCA shines in flexibility but trails in wellness availability.
Check our full breakdown of the best pet insurance options for personalized quotes.
ASPCA offers two main plans: Complete Coverage and Accident-Only. The flagship Complete plan covers a broad spectrum:
Annual limits reach unlimited for comprehensive protection, with deductibles resetting yearly. Wellness add-ons (covering vaccines, flea prevention) cost extra ~$10-20/month but aren't offered everywhere—check your state.
Coverage Score: 8.2/10 – Strong on essentials, but pre-existing conditions (anything treated before enrollment) are excluded for 12 months or life, depending on the issue.
No breed restrictions or waiting periods beyond 14 days for illnesses make it accessible. For multi-pet households, expect 10% discounts per additional policy.
ASPCA's costs are competitive but breed- and age-dependent. Here's a 2024 snapshot for popular pets:
Factors inflating premiums: Northern breeds (higher hereditary risks), urban zip codes. Use their quote tool for exacts—expect 5-10% savings bundling pets.
Value Score: 7.8/10 – Affordable for unlimited plans, but compare quotes as Lemonade often undercuts for young pets.
See more on pet insurance costs in our 2024 guide.
Overall, pros outweigh cons for accident-prone active dogs.
From 1,500+ reviews analyzed:
Satisfaction Score: 3.5/5 – Reliable for big claims, frustrating for edge cases. App usability scores high at 4.3/5.
If ASPCA doesn't fit:
Since ASPCA is backed by MetLife, explore their suite for bundled human-pet needs. Read MetLife disability insights.
Yes, if: You want unlimited coverage without age caps and have a multi-pet home. No, if: Seeking broad wellness or live in a restricted state—opt for Figo instead.
Shop quotes from 3+ providers; ASPCA often ranks mid-pack for value.
No, pre-existing conditions are excluded, but curable ones may qualify after 12 months symptom-free.
2 days for accidents, 14 days for illnesses; cruciate ligaments 6 months.
Yes, any licensed vet in the US; no network required.
Cats average 40% less; e.g., $28/month for a tabby vs. $48 for a Lab.
Yes, 10% off second pet, 15% third+.
Protect your furry friend and home:
Stay protected—your pets deserve it!
