About Our Program

Pet parents can cover their pets for injuries, illnesses, wellness care, chronic conditions, hereditary and congenital conditions, alternative therapies and behavioral issues. Learn more about our plans.

Premiums will depend on a few factors, including the plan chosen, the breed, species and age of the pet as well as the customer’s zip code.* Accident coverage starts at about $16 a month for dogs and $12 a month for cats. Plans with accident and illness coverage cost as low as $27 a month for dogs and $19 a month for cats. Plus, pet parents can save 10% on the base plan premium for every pet they insure in addition to our 10% multiple pet discount for each additional pet. Please note that rates and discounts may vary by state.

Customers are free to visit any licensed veterinarian in the US or Canada, including emergency clinics and specialists. They will pay their veterinarian and then file a simple, 1-page claim form which can be sent to us by mail, email or fax. We’ll reimburse covered charges, typically within 1-2 weeks. We provide the option of reimbursement by check or direct deposit.

Customers are eligible for a 10% base rate group discount in addition to a 10% base rate discount for eligible multiple pets. Discounts apply to the base plan premium. Please note that the group discount is 5% in Florida and not available in Tennessee or Hawaii. Contact us for more details.

No. Pet parents will enroll in an individual ASPCA Pet Health Insurance policy with a premium that’s determined by their plan choice, the breed, species and age of their pet as well as their zip code. Pet parents are eligible for a discount, where available, on their premium when a qualified group, such as an employer or association, adds our benefit.

Absolutely! Here’s a real claim for a dog covered by Level 2, our most popular plan:

Total treatment costs $1,770.63
Costs Eligible for Coverage $1,756.61
Minus Annual Deductible - $100
90% Reimbursement of Covered Costs $1,490.94

Please note that we do not use a benefit schedule. That means our reimbursements are based on the actual treatments required for an individual pet, rather than a flat payout based on the diagnosis.* Coverage and claim reimbursement is subject to the applicable plan as well as the fact and circumstances of each claim. Contact us for more details.

Employees calling us to enroll or for questions about their plan can reach us from 8 am to 9 pm EST Monday through Friday and 9 am to 5 pm EST Saturday.


About Implementing Our Program

As part of the toolkit for your clients, we will provide an enrollment portal or we can work within yours for pet parents to view their discounted rate and enroll. We’ll also provide pet insurance brochures, a welcome flyer, a pet safety brochure and content for your clients’ newsletters. View the full toolkit here.

Implementation is easy. You and your client will decide when to implement the benefit – either at open enrollment or off-cycle. With our turnkey program we can have you up and running in no time. You also have the option of payroll deduction. Our payroll deduction implementation is also very efficient and we’ll develop a timeline that fits your needs.

Fill out our short form, and we’ll contact you with more information. Pet insurance programs are property and casualty products, so you will need a property and casualty license.

We can provide you with materials to distribute to employees, at benefit fairs or in open enrollment meetings. Please fill out our form, and we’ll contact you with more details.