Pet Insurance vs Telehealth • Reviewed by Dr. Tiffany Delacruz, DVM
ASPCA Pet Health Insurance vs RexVet
ASPCA Pet Health Insurance is a long-running provider offering flexible accident & illness coverage with optional wellness add-ons.
Quick verdict
ASPCA's wellness add-on caps at $250-450/year. RexVet's $120 one-time Family Plan covers 4 routine consultations plus unlimited messaging — typically more economical for households with active pet care needs.
Side-by-side comparison
| Feature | ASPCA Pet Health Insurance | RexVet |
|---|---|---|
| Type | Wellness Add-on Available insurance | 501(c)(3) non-profit telehealth |
| Monthly cost (dog) | $30–$100/mo | $120 once — 4 visits (Family Plan) |
| Monthly cost (cat) | $18–$60/mo | $120 once — 4 visits (Family Plan) |
| Deductible | $100–$500 | $0 |
| Reimbursement | 70-90% (you choose) | N/A — direct service, no claim process |
| Waiting period (accidents) | 14 days | None — same-day visits |
| Waiting period (illness) | 14 days | None — same-day visits |
| Pre-existing conditions | Excluded | Covered (no exclusions) |
| Routine consultations | Wellness add-on only (extra cost) | 4 visits + unlimited messaging |
| Surgery / ER / Hospitalization | Covered (% after deductible) | Not covered (telehealth limit) |
| Prescription refills | Only if tied to covered condition | Refill requests (where state rules allow) |
ASPCA Pet Health Insurance strengths
- ✓ Established provider with long track record
- ✓ Multiple plan tiers including accident-only
- ✓ Wellness add-on available for routine care
- ✓ Behavioral issues covered
- ✓ Hereditary conditions covered
ASPCA Pet Health Insurance limitations
- ! Premium rates can be higher than online-only competitors like Lemonade
- ! Wellness add-on benefit cap is modest ($250-450)
- ! Doesn't cover pets over 14 years old at enrollment
What each does best
Where ASPCA Pet Health Insurance wins
- → Catastrophic care coverage
- → Hereditary condition coverage
- → Behavioral issue coverage
- → Long established claims process
Where RexVet wins
- ✓ Unlimited routine visits vs capped wellness benefit
- ✓ No add-on premium increases over time
- ✓ No deductibles on routine care
- ✓ Prescription delivery when your vet prescribes
The smart combo
How to use ASPCA Pet Health Insurance AND RexVet together
ASPCA Pet base accident & illness + RexVet Family Plan: best of both worlds without paying for the wellness add-on. Save the wellness premium and use RexVet for routine.
ASPCA Pet Health Insurance vs RexVet
Frequently asked questions
Is ASPCA Pet Insurance actually run by the ASPCA?
The ASPCA licenses its name to the insurance program but the underwriter is Crum & Forster. A portion of premiums supports ASPCA's animal welfare mission.
ASPCA vs Healthy Paws?
Healthy Paws has unlimited annual payouts; ASPCA has annual caps. Healthy Paws is simpler (one plan); ASPCA has more tiers and add-ons. ASPCA covers behavioral; Healthy Paws does not.
Do I need the ASPCA wellness add-on if I have RexVet?
Usually no — RexVet Family Plan ($120 one-time, 4 visits) often covers more routine care than the wellness add-on cap. Use ASPCA for catastrophic only.
Does my pet need to be examined to enroll in ASPCA Pet?
ASPCA Pet doesn't require an exam to enroll — but they review your pet's medical history when claims are filed, so pre-existing conditions discovered later won't be covered.
Can I use RexVet without insurance?
Yes — many pet parents use RexVet as their primary vet care channel. $64.99 per visit (or $120 one-time Family Plan, 4 visits) handles routine care. Insurance is a separate decision for catastrophic protection.
Reviewed by Dr. Tiffany Delacruz, DVM
Last fact-checked: 2026-05-19
Pricing ranges sourced from ASPCA Pet Health Insurance's public materials and industry references (Pawlicy Advisor, NerdWallet, Forbes Advisor). Actual rates vary by zip code, pet age, and breed — always get a personal quote from the insurer before deciding. This page is editorial commentary, not insurance advice.