Overview
ASPCA Pet Health Insurance is underwritten by Crum & Forster — the same insurer behind Embrace — but operates as a separate brand. Plan structure is similar to Embrace: customizable deductible, reimbursement, and annual max, with an optional preventive care add-on. Coverage includes hereditary conditions, dental illness, alternative therapies, and behavioral care.
The ASPCA brand carries weight with first-time pet owners who recognize the name from animal welfare campaigns. The plan itself is solid mid-market — not the cheapest, not the most comprehensive, well-rounded. Discounts for multi-pet households (10%) and ASPCA donor membership add up.
Claim processing typically takes 5-14 days. Direct vet payment is available at select hospitals but not standard. Customer satisfaction surveys put ASPCA in the middle of the pack — well-regarded but not standout.
Owners who want brand recognition and a straightforward accident/illness plan with optional wellness.
✓ Strengths
- →No separate orthopedic waiting period — same 14 days as illness
- →Optional preventive care add-on
- →Covers dental illness, behavioral, alternative therapies
- →10% multi-pet discount
- →Strong brand recognition reduces decision friction
⚠ Drawbacks
- →Mid-pack pricing — not cheapest available
- →14-day waiting period on accidents (longer than Lemonade's 2 days)
- →Claim processing slower than Healthy Paws or Lemonade
- →Annual max tiers cap your coverage unless you pick unlimited
- →Direct-pay limited to select hospitals
Pricing on Long Island
Preventive add-on: $10-$26/month
Plan structure
What's covered
Our take
Skip ASPCA Pet Health Insurance if: Cost-focused owners (Lemonade is cheaper), owners wanting per-condition lifetime deductible (Trupanion).
Pick ASPCA Pet Health Insurance if: Owners adopting puppies and worried about hip dysplasia / ACL tears (short orthopedic waiting period is rare), owners who want a recognizable brand.
Fine print to know
- Same underwriter as Embrace, so financial backing is solid.
- Preventive care reimbursement is allowance-based, not coverage-based.
- Premiums increase annually based on age and claim history.
Get a real quote for your pet
Pricing varies by breed, age, and ZIP. Always quote on the carrier's own site.
Visit ASPCA Pet Health Insurance →We don't take commissions from insurers. This is an independent review.