ASPCA Pet Health Insurance earned 4.8 out of 5 stars based on our analysis and has no upper age restriction for enrollment. Because many providers will not enroll older pets, ASPCA Pet Health Insurance is a good option for senior pets in Massachusetts. It is also the only provider on our list that offers horse health insurance.
ASPCA Pet Health Insurance offers two plans for reimbursement on vet bills for treatments, procedures, vet visits and other costs. The Accident-Only Coverage plan covers accidents, such as injuries, broken bones and bite wounds. The Complete Coverage plan covers everything in the Accident-Only Coverage plan in addition to illnesses, including behavioral issues, cancer, hereditary conditions, congenital conditions and more.
The table below includes quotes for a 5-year-old medium-sized, mixed-breed dog and a 5-year-old mixed-breed cat in Massachusetts.
| Plan Levels | Average Cat Cost | Average Dog Cost |
| Accident-only | $14 per month | $27 per month |
| Complete Coverage | $21 per month | $48 per month |
| Complete Coverage with preventative care | $24–$39 per month | $58–$73 per month |
*ASPCA Pet Health Insurance offers two levels of preventative care plans, Basic and Prime. Pricing varies depending on your selection.
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