6 Misconceptions About Pet Insurance

#1  “I don’t need pet insurance.”

Your pet can get hurt or sick anytime, and veterinary bills can add up fast. The costs of good veterinary care are also going up. In fact, US pet parents spent about $13 billion on veterinary care in 2010, up 40% from 2006!* Pet insurance can help you manage these costs and avoid a tough financial decision about your pet's health.

#2  “Pet insurance is too expensive.”

With our 4 increasing levels of coverage, you can pick the plan that fits your needs. Plus, you can customize our plans for your budget with deductible and co-insurance options. Find out how affordable it can be to protect your pet with a free quote now.

#3  “I can't go to the veterinarian of my choice.”

We wouldn’t want you to have to leave your trusted veterinarian or limit your choice of providers. With our plans, you can visit any licensed veterinarian in the US or Canada, even specialists and emergency care doctors. There’s no pre-authorization or referrals required, and the veterinarian doesn’t have to sign the claim form.

#4  “It’s complicated to get reimbursed.”

ASPCA Pet Health Insurance is easy to use. Just fill out a one-page claim form and fax, mail, or email it to us with your receipts. You can download forms easily at our website. Then you’ll get reimbursed 90% of usual and customary covered costs after a low $100 annual deductible. Our turnaround time for claims is typically about two weeks, and you can track the status of your claims online anytime.

#5  “I can't get coverage for wellness care.”

We know how important wellness care is to keep your pet happy and healthy, so we have two choices to cover these treatments that you can add for a low cost. Our Routine Wellness option includes standard vaccines, spaying or neutering, and an annual exam. Advanced Wellness includes an annual dental cleaning, additional vaccines, flea and heartworm medication and more.  Explore our coverage.

#6  “I can’t get insurance because my pet is too old or has a health condition.”

Our Level 1 accident coverage is available for all dogs and cats over 8 weeks old regardless of age or health. And once your pet is enrolled in any of our levels, we’ll never cancel coverage because of age or health. See what options are available for your pet with an instant quote.