A Pet Parent Asks:
What is Continuing Care coverage and how do I add it to my policy?

ASPCA Pet Health Insurance Answers:
Like most pet insurance, our base protection limits coverage for long-term or chronic conditions to keep premiums lower. However, you can get extra protection for ongoing conditions with our inexpensive Continuing Care coverage option.

Ongoing conditions are illnesses or injuries that occur in one plan period and need care in subsequent plan periods. Without Continuing Care, ongoing conditions are not covered unless 180 days have passed since cure and last treatment. If you select Continuing Care, you'll enjoy uninterrupted coverage of these conditions.

Here’s an example: Let’s say your pet develops allergies in one plan period. If you did not select Continuing Care, treatment for allergies would not be covered after your plan renews. With Continuing Care, you would enjoy uninterrupted coverage for your pet’s allergy treatments after renewal up to the incident and lifetime limits.

Continuing Care can be added to Levels 2, 3, or 4 starting at $7.22 per month for dogs and $5.56 per month for cats. It reimburses 80% of usual and customary covered charges after a low $100 annual deductible per pet, up to the incident and lifetime limits, separate from your base coverage deductible and plan limits. It can be added to your plan when you first enroll or by calling customer service prior to your renewal date.

We believe Continuing Care is the best option in the industry for covering ongoing conditions. With Continuing Care you know exactly how much coverage is available for these conditions.

For help, contact Customer Service at 1-866-204-6764.

Pet Parent Q&A is a regular column that answers customer questions in an effort to educate others. This is not a forum to receive responses to specific inquiries. Please call Customer Service at 1-866-204-6764 or email cservice@aspcapetinsurance.com for immediate assistance.


As we’re dedicated to making a difference for pets, we want to keep you informed about pet health topics and your ASPCA Pet Health Insurance plan. Our blog will provide you with fresh, interesting and informative topics—from pet health tips and customer stories, to the latest industry news and a Pet Parent Q&A column. Most of all, we encourage you to share comments and join the discussion!

Meet the Author

Julia H.

Social Media Coordinator

Pet Parent to:

Lucy, an 8-year-old rescued Golden Retriever/Chow Chow mix

Blog Guidelines

While we’ll strive to present all viewpoints on this blog, comments will be reviewed before posting. Offensive or inappropriate language, off-topic remarks and comments containing personal policy information will not be featured.

Also, conditions discussed in this blog aren’t necessarily covered by every ASPCA Pet Health Insurance plan. For full coverage terms, conditions and exclusions, please refer to your plan.

As always, if you have a question about your plan, call us at 1-866-204-6764.

*Note: While these testimonials may include examples of recent claims payouts, reimbursement is subject to the terms and conditions of your plan. Identifying information has been changed.