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How Our Pet Insurance Works

  1. Get Treatment

    Go to ANY licensed vet in
    the US or Canada and pay
    for services.

  2. File a Claim

    Fill out our simple 1-page claim form. Then fax, email, or mail it to us with your receipts.

  3. Get Reimbursed

    You'll get back 90% of usual and customary covered charges after you meet a low $100 annual deductible per pet.

Top 5 Questions About ASPCA Pet Health Insurance

1. Can I stay with my veterinarian?

Yes! You don’t have to leave your trusted veterinarian or choose from a list of providers. With our pet insurance, you can visit ANY licensed veterinarian in the US or Canada, including specialists and emergency care doctors. This way, your pet is also covered if you’re travelling.

2. How does the deductible work?

ASPCA Pet Health Insurance has a low $100 annual deductible per pet. Our deductible only needs to be met once per plan year, no matter how many incidents occur. In contrast, per incident deductibles require you to pay a new deductible for every single injury or illness, which can really add up. You can also customize your plan with other annual deductible and co-insurance options.

3. How long does it take to get reimbursed?

We work hard to process our pet insurance claims as quickly as possible. Turnaround time typically averages two weeks or less. You can track the status of your claims easily online at our  Member Center.

4. What are “usual and customary covered charges”?

These are veterinary costs covered by your plan and considered typical in areas similar to yours. We use available industry and proprietary data to determine typical costs. ASPCA Pet Health Insurance plans reimburse 90% of usual and customary covered charges both to take into account actual treatments performed, unlike a benefit schedule, and to keep premiums lower.

5. What is ASPCA Pet Health Insurance?

The ASPCA Pet Health Insurance program is provided by the Hartville Group, Inc., which was chosen as the only strategic partner for pet insurance by the American Society for the Prevention of Cruelty to Animals® (ASPCA®), the nation’s leading voice for animal welfare.* Hartville is the second largest and second oldest US pet health insurance provider in the US with more than 15 years experience. Plus, we’re an accredited member of the Better Business Bureau with an A+ rating (2011).

More Frequently Asked Questions

*ASPCA National Awareness/Perception Study, 2009