compare our coverage

With nearly three decades of experience and one of the most extensive plans on the market, it's clear why we stand out from the pack.

comparing pet insurance plans for your cat or dog

Choosing the right pet insurance plan can be overwhelming, but we're here to make it easy for you. Our pet insurance comparison chart breaks down the coverage of other pet insurance providers and gives you a clear view of how ASPCA® Pet Health Insurance stacks up against them.

Pet Insurance Plan Comparison
Plan Coverage ASPCA Pet Health Insurance Trupanion Nationwide Healthy Paws Fetch Lemonade MetLife
Accident-Only Plan Yes No Yes No Yes Yes No
Preventive Care Yes No Yes No Yes Yes Yes
Exam Fees Covered Yes No Yes No Yes Yes Yes
10% Multiple Pet Discount Yes No Yes No No No Yes
No Upper Age Limit Yes No No No Yes No Yes
No Exam Needed to Enroll Yes Yes Yes No No Yes Yes
Full Rainbow Bridge Support* Yes No Yes No No No Yes

*Full rainbow bridge support includes euthanasia, burial, and cremation. Rainbow Bridge Support for Lemonade and Embrace is only available as an add-on.

Comparison information is provided using publicly available information as of 12/9/22 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306

tips to consider when choosing pet insurance

  • Create a coverage checklist

    As you compare pet insurance providers, keep the coverage features that are important to you in mind. For example, not all providers cover alternative therapies, like hydrotherapy, chiropractic treatments, and low-laser therapy. If this is something you may want to pursue to help your pet recover from an injury or illness, you should make sure it’s covered by the provider and plan you choose.

  • Consider the overall cost

    When you’re comparing providers and plans, it can be easy to get focused on a few things, like exclusions or cost. For instance, it may be tempting to pick the provider with the lowest premium. However, you may find that they don’t cover as much of your pet’s care as you would like. It’s smart to balance cost and coverage when you make your decision. Look for a plan that fits your budget and gives you the financial cushion you need when you need it.

  • Inspect your coverage

    A provider may offer the types of coverage you want for your pet, but there may be limits or exclusions that could have a big impact on your reimbursements. For example, some providers cover prescription food, but only for certain conditions or up to a limited amount of time. Make sure you can be covered for the services your pet needs.

  • Look for age restrictions

    Some providers may have lower premiums, but their coverage may come with age restrictions and other limitations. These restrictions could prevent a senior pet from having coverage or lead to a higher monthly cost. With an ASPCA® Pet Health Insurance plan, your pet can have access to the coverage they need from as young as 8 weeks, without any upper-age restrictions.

options for every paw

We’ve been helping pet parents care for their four-legged companions since 1997. We offer robust coverage that includes everything you’d expect and then some. Complete Coverage℠ covers accidents, illnesses, hereditary conditions, alternative therapies, behavioral conditions—and the list goes on. You can customize your plan by choosing your annual deductible, annual limit, and reimbursement percentage to fit your budget and coverage needs.

We make your policy easily accessible with our ASPCA® Pet Insurance App that lets you submit claims even before you leave the veterinary office. In addition, you can use it to track your claims, pay your bills, and review your coverage details.

But don't just take it from us. Check out our pet insurance reviews to see what our customers are saying, and when you're ready, get a free quote for your pet to learn more about our coverage.

Gray Sphynx cat peacefully sleeping on top of a cat bed.