What is pet insurance?

Pet insurance helps you pay for your pet's veterinary care. ASPCA Pet Health Insurance offers increasing levels of protection that can cover your pet for accidents, illnesses, and wellness care. You can also get extra protection for ongoing conditions.

Why do I need it?

The costs of veterinary care are rising, especially as more sophisticated treatments become available for animals. ASPCA Pet Health Insurance can help you manage these costs, so you'll be able to give your pet the best care possible.

How does it work?

It's easy! Take your pet to any vet in the US or Canada and pay for the services. Then fill out a simple claim form and mail, fax, or email it with your receipts. You can track the status of your claims conveniently online at the free Member Center.

How much will I get reimbursed?

ASPCA Pet Health Insurance reimburses 80% of usual and customary covered charges after a low $100 annual deductible per pet. Usual and customary charges are covered costs that are considered reasonable for areas similar to yours.

Why choose us?

You'll enjoy coverage designed with the experts in animal welfare!* We also offer easy claim filing, online account management, and a 30-day money back guarantee. Plus, through our partnership, ASPCA Pet Health Insurance supports the ASPCA’s critical mission!

The ASPCA

The American Society for the Prevention of Cruelty to Animals® (ASPCA) was the first humane organization in the Western Hemisphere. As part of its mission, we're dedicated to helping pet parents take care of their pets with pet insurance.

Our Staff

At ASPCA Pet Health Insurance, we're pet lovers too! And we think about our customers' pets as if they were our own. We worry about them when they're hurt or sick, and do our best to help their pet parents by reimbursing them as quickly as possible.

Recent Payout Examples

ASPCA Pet Health Insurance works hard to reimburse pet parents as quickly as possible. Here are a few real examples of recent payouts.+

Condition Payout+
Spleen Cancer $3,500.00
Respiratory Infection $818.78
Heart Failure $1,041.51
Diabetes $529.49
Snake Bite $1,499.73
Gastroenteritis $752.83

+ Please note that these are examples of recent claim payouts. Actual reimbursement is subject to the terms and conditions of your plan.

This is not a complete description of all coverage terms, conditions and exclusions. See coverage terms for a full description of the scope and limitations of coverage. The plan may not be available in all states. Rates and coverage subject to change. Issuance of coverage is subject to underwriting.

ASPCA Pet Health Insurance is underwritten by the United States Fire Insurance Company and administered by Petsmarketing Insurance.com Agency, Inc., a subsidiary of the Hartville Group, Inc. The Hartville Group, Inc. is a licensed strategic partner of the ASPCA. In exchange for use of the ASPCA® trademarks, the ASPCA is paid a royalty fee of up to 10% of the purchase price with a minimum of $1.6 million to be recognized over at least five years.