A Pet Parent Asks:
What are the pet age limits for your plans?

ASPCA Pet Health Insurance Answers:
This is a question we see regularly as many of our competitors have tight restrictions.

Initial enrollment in Levels 2, 3 and 4 is limited to dogs 12 years and under and cats 14 years and under. It’s important to note that this is only for initial enrollment in these plans—once your pet is enrolled, we will never cancel your pet’s coverage because of age or health. That’s because we want to protect your pet through a long and rewarding life.

We also think it’s important for all pets to have protection from the unexpected accidents that can happen no matter a pet’s age. So there is no upper age limit whatsoever for enrollment in Level 1, which offers accident coverage. Pets with serious health conditions also are always eligible for Level 1.


Pet Parent Q&A is a regular column that answers customer questions in an effort to educate others. This is not a forum to receive responses to specific inquiries. Please call Customer Service at 1-866-204-6764 or email cservice@aspcapetinsurance.com for help with your plan.

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Hartville Group News & Info


As we’re dedicated to making a difference for pets, we want to keep you informed about pet health topics and your ASPCA Pet Health Insurance plan. Our blog will provide you with fresh, interesting and informative topics—from pet health tips and customer stories, to the latest industry news and a Pet Parent Q&A column. Most of all, we encourage you to share comments and join the discussion!

Meet the Author

Julia H.

Social Media Coordinator

Pet Parent to:

Lucy, an 8-year-old rescued Golden Retriever/Chow Chow mix

Blog Guidelines

While we’ll strive to present all viewpoints on this blog, comments will be reviewed before posting. Offensive or inappropriate language, off-topic remarks and comments containing personal policy information will not be featured.

Also, conditions discussed in this blog aren’t necessarily covered by every ASPCA Pet Health Insurance plan. For full coverage terms, conditions and exclusions, please refer to your plan.

As always, if you have a question about your plan, call us at 1-866-204-6764.

*Note: While these testimonials may include examples of recent claims payouts, reimbursement is subject to the terms and conditions of your plan. Identifying information has been changed.