Horses are becoming more and more popular as companions and family members in modern society.

According to a credible source, there are more than 2 million pet horses in the United States alone. 

Yes, this is correct.

I mean, just like cats and dogs, they are loyal, beautiful, and friendly and can bring you great joy. But, like other pets, they can also be vulnerable to accidents, illnesses, and injuries.

So, having horse insurance is a must.

But as we all know, hundreds of insurance companies are out there, and choosing the best one for our beloved equine partner can be overwhelming.

So, I did a lot of research and found a gem – Aspca horse insurance.

In this guide, I will explore everything about Aspca horse insurance and some tips that can help you make the best decision for your horse’s care.

What Is Horse Insurance

Horse insurance is a type of policy that offers financial protection against the costs of medical care, mortality, theft, and other potential losses that you might experience with your equine partner.

So, now let’s move over to the main topic: Aspca pet insurance. What are its benefits, and how different is it from other horse insurance providers?

ASPCA Pet Insurance – The Industry’s Leading Horse Insurance Provider

Aspca pet insurance is one of the industry’s leading insurance companies that provides insurance for cats, dogs, and horses.

Yes, it offers insurance for horses as well. This is what makes it truly amazing and stand out from some big giants out there as well.

Aspca offers a wide range of benefits, including accident and illness protection. Plus, there is no maximum age limit for enrollment when you purchase coverage.

Another thing that sets Aspca apart is its strong presence. They have been in the game since 1997 and have helped thousands of pet owners throughout the years.

Let’s discuss the pros and cons of Aspca horse insurance so that you can get a better idea.

Pros of Aspca Pet Insurance

  1. Covers Colic:

Colic is a common medical condition in horses and can cause a lot of pain and expense.

But you don’t have to worry about that now.

One of the biggest benefits of Aspca pet insurance is that it covers colic. 

Colic can be very costly, so having coverage for it is a great way to make sure that your horse is well taken care of in case something happens.

  1. Well established name: 

Aspca, formerly (Hartville Pet Insurance) has been around since 1997, so they are well established and have a good reputation in the industry.

3.No maximum age limit: 

Aspca doesn’t have any age limits, so you can enroll your horse no matter how old they are. Not all companies offer this benefit.

  1. Multi-Pet Discount: 

Aspca offers a 10% multi-pet discount. So, if you have two or more horses, you can get discounted premiums on all of them.

Cons of Aspca Pet Insurance

But as we all know, nothing is perfect. With so many benefits, there come some drawbacks as well. Let’s have a look at them.

1.No pre-existing condition coverage: 

The biggest downside to Aspca pet insurance is that it doesn’t cover pre-existing conditions. So you can’t get coverage if your horse already has a medical condition.

  1. Doesn’t cover routine care: 

Another downside to Aspca pet insurance is that it doesn’t cover routine care, such as vaccinations and grooming. So you have to pay for that from your own pocket.

How Much Does Aspca Horse Insurance Cost?


One of the most asked questions about Aspca pet insurance is how much does it cost?

Well, I can’t give you the exact amount since it depends on several factors, such as your horse’s age, breed, and medical history.


But I can surely give you a rough estimate!

But generally speaking, Aspca pet insurance plans start at $50/month and go up to around $200/month. 

If you have a older horse, the cost will be higher because of its medical history.

Note: Please remember that this is merely an estimate, and the final cost will depend on several factors.

Tips to Consider When Choosing a Horse Insurance Plan


It’s no secret that horses are expensive to take care of. For this reason, insurance is a basic necessity if you have horses.

But how to know if you are getting the most out of your policy? 

Here are some tips that can help you make the best decision when selecting a horse insurance plan:

  1. Research: 

Research is the most important thing you can do regarding any insurance plan. It’s not wise to go to one shop and just purchase whatever they offer.

But, the best way is to visit different shops, ask questions and get answers, compare them and then make a decision.

  1. Know Your Coverage Needs: 

Before looking for any insurance plan, make sure you clearly understand what type of coverage you need.

For example: Do you need liability coverage? Do you need accident coverage? What type of injury or illness will you be covering?

These are some questions that you should answer before selecting a plan.

The good news is colic is covered by all Aspca horse insurance plans.

  1. Compare Quotes: 

Once you know what type of coverage you need, the next step is to compare quotes from different companies.

Make sure you compare the same coverage and inclusions, as this will help you make a fair comparison.

If you follow these tips, trust me, you will get the best and most out of your horse insurance plan.

How Long Do Aspca Insurance Claims Take?

Claims processing timing is a key thing that people usually look for when selecting an insurance policy.

So how long do Aspca insurance claims take?

In general, aspca pet insurance claims are processed within 25-30 days of submitting the claim. 

It usually takes this long because the company needs to review all the information provided and make sure that it meets the eligibility criteria.

Plus, they try to reimburse the policyholder as soon as possible.

And once your claim has been processed successfully, you will also receive an email confirmation.

Does Aspca Insurance Activate Immediately?

Not really.

Just like any other insurance policy, you will have to wait for a few days before the coverage becomes active.

But how much?

Generally speaking, you will have to wait a minimum of 14 days before your policy becomes active.

This period is needed for the company to review all the information submitted by the policyholder and make sure it meets the eligibility criteria.

Is Aspca Insurance Worth it?


According to some authentic sources, an average horse owner spends more than $800 annually on horse care. Isn’t that huge?

This is just an average; in some cases, it can even be higher.

So, is there any way to save your hard-earned money from veterinary bills?

Yes, by getting Aspca horse insurance!

Aspca insurance is all you need to have peace of mind, knowing that your horse will be covered in any unfortunate event.

While it’s true that the premiums can be expensive for some, they are worth the peace of mind. 

How Can I Get A Quote For Aspca Insurance?


Let me tell you one thing, Aspca offers free, no-obligation quotes to help you find the best coverage for your horse at an affordable price.

Getting a quote is quite easy and simple.

All you have to do is visit the Aspca website and fill out the form with all the details they need.

You can also call them and speak to one of their agents for more information. They will be happy to assist you with the quote and answer any other questions you may have. 

Wrap Up

To sum it up – Aspca horse insurance is what I recommend to all horse owners out there. 

It’s a great way to protect your equine partner in case of any unexpected accidents, illnesses, and injuries.

Not only your horse but you will also be saved from the hefty vet bills that can cost you a lot of money.

So, make sure you choose the horse insurance plan wisely and if possible, get some advice from experts before making your final decision. 

Frequently Asked Questions

The first thing that sets Aspca apart from its competitors is it offers horse insurance. Not everyone provides this type of coverage.

Plus, its customer service, coverage options, and ability to customize plans according to the customer’s needs make it unique and different from others.

Yes, Aspca offers discounts to customers who have multiple horses insured under the same policy. You can get nearly 10% off your premium if you insure multiple horses. Again, not everyone offers this kind of discount.

Filing a claim with Aspca is the easiest thing you can do. All you have to do is fill out the claim form on the website, attach the medical records, and submit it. Once they have reviewed your claim, you will receive a response within 25-30 days.