A Pet Parent Asks:
Are multiple injuries from a single event considered one incident? For example, a dog suffers an accident that causes a broken bone, cuts needing stitches and surgery. Would I be reimbursed up to one incident limit for all these injuries? Or would each injury have its own incident limit?

ASPCA Pet Health Insurance Answers:
Good question!

Multiple injuries that are related to one incident share one incident limit.

For this particular scenario, you would be reimbursed up to the covered amounts on all three components of this one accident—the broken bone, cuts needing stitches and surgery—up to your maximum incident benefit.

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.

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Hartville Group News & Info


4/13/2011 8:36:41 AM #


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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

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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.