ASPCA Pet Health Insurance Review

Yes, ASPCA covers brachycephalic obstructive airway syndrome (BOAS) and related breathing issues common in French Bulldogs. Coverage includes diagnostic testing, medical management, and surgical correction. There's a 14-day waiting period for illness coverage, so enroll before symptoms develop.

French Bulldogs can require multiple expensive treatments in a single year. Removing the annual cap eliminates the worry about maxing out your benefits when your dog needs extensive care. For example, BOAS surgery, hip dysplasia treatment, and chronic allergy management could easily exceed $10,000 in one year.

Yes, ASPCA covers hereditary and congenital conditions including hip dysplasia, eye problems, spinal issues, and breathing disorders. These conditions must develop after your coverage begins to be eligible for benefits.

ASPCA has no waiting period for accidents and a 14-day waiting period for illnesses. Orthopedic conditions also have a 14-day waiting period, which is shorter than many competitors.

Wellness coverage must be added when you first enroll. You cannot add it to an existing policy later, so consider whether you want this coverage when initially signing up.

Once a condition is covered under your policy, ASPCA continues covering it for life as long as you maintain continuous coverage. This is particularly valuable for French Bulldogs who often develop chronic conditions like allergies that require ongoing management.

Expect to pay around $37-$60/month for a young French Bulldog depending on your coverage tier, deductible, and reimbursement rate. The essential plan starts around $37/month with a $5,000 annual limit and 70% reimbursement. Bumping to unlimited coverage with 90% reimbursement pushes closer to $100/month. Location matters too -- urban areas with higher vet costs will see higher premiums. ASPCA sits in the mid-range for French Bulldog pricing, cheaper than Trupanion or Healthy Paws but slightly above Lemonade and Pets Best.

For most French Bulldog owners, yes. The combination of no-cap coverage, wellness add-ons, and hereditary condition coverage addresses the breed's biggest financial risks. A single BOAS surgery can cost $3,000-$5,000 -- that alone can justify years of premiums. The main reason to look elsewhere is if you need fast claims processing. ASPCA's 7-14 day timeline is a real drawback if you cannot afford to float vet bills for two weeks.

The standard exclusions apply: pre-existing conditions, breeding and pregnancy costs, cosmetic procedures, and elective surgeries. Bilateral conditions can also trip you up -- if your Frenchie develops hip dysplasia on one side before coverage, the other hip is excluded too. Routine wellness care is not covered unless you add the optional wellness plan. And like all insurers, there are waiting periods: 0 days for accidents, 14 days for illnesses and orthopedic conditions.

It depends on what you prioritize. Lemonade wins on speed (AI-instant claims vs. 7-14 days) and price (starting around $25/month vs. $37/month). ASPCA wins on coverage flexibility (unlimited option vs. $100K cap) and wellness add-ons. If you want the cheapest solid coverage with fast payouts, go Lemonade. If you want deeper customization and bundled preventive care, ASPCA is the stronger pick.

Yes. ASPCA covers hip dysplasia in full, including conservative treatment like medications and physical therapy as well as surgical options like total hip replacement. The 14-day orthopedic waiting period is notably shorter than some competitors who impose 6-month waits. The critical caveat: the condition must develop after your policy starts. Enroll your Frenchie before any limping, stiffness, or joint symptoms appear.