Coverage for Dogs and Cats
ASPCA Pet Health Insurance plans are designed to give you the best coverage options at the right price.
Injuries + Illnesses
Pet insurance plans typically cover injuries and illnesses. If you're looking for basic accident coverage, we also have an injury-only plan available.
Accident coverage is for all kinds of injuries, like broken bones, bite wounds, car accidents, swallowed objects and burns. Illness coverage is for conditions such as cancer, diabetes, ear infections, upset stomach, urinary issues and hyperthyroidism. We also cover dental illnesses, including gingivitis and periodontal disease.
With ASPCA Pet Health Insurance, you don’t need to buy a special plan to have cancer coverage. Also, there’s no limit to the number of accidents or illnesses we’ll cover in a year. Start a free quote to see your options.
You can add wellness care to any plan for as little as $10 a month*. Our wellness options cover annual exams, vaccines, tests and more. Both coverage options reimburse up to a set amount for listed treatments, and each year you can get back more than you pay in!
Chronic and Ongoing Conditions
All of our plans come with Continuing Care, if your pet is eligible, to cover chronic and ongoing conditions. These are conditions that need care across multiple plan periods, such as allergies, diabetes or cancer.
Hereditary and Congenital Conditions
Coverage is available on Level 3 for hereditary and congenital conditions. These are conditions pets are born with or are predisposed to getting through their breed. Learn more about this coverage.
Level 3 also covers alternative therapies, including acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy and low-level laser therapy to treat a covered condition.
If your pet develops a behavioral issue, like excessive licking, separation anxiety or destructive chewing, it may be covered by Level 3. Our behavioral coverage includes consultations, exams, lab testing and prescription medications to diagnose, treat or correct behavioral problems, up to a set amount per year.
What's Not Covered
All pet insurance plans have some exclusions. No plan could cover everything and still be affordable. It's important to know about a plan's exclusions ahead of time to avoid any surprises.
Here are some exclusions for ASPCA Pet Health Insurance plans. We've thought carefully about these exclusions, and we want you to know exactly what you're getting with our coverage.
Our pet insurance doesn't cover elective procedures opposed by The American Society for the Prevention of Cruelty to Animals®, such as tail docking, ear cropping and claw removal.
No pet insurance plan covers pre-existing conditions. Pre-existing conditions are those that occur before coverage begins or during a waiting period, even if they haven't been formally diagnosed or treated by a veterinarian. A new incident of a pre-existing condition may be covered in the future if it's been cured and treatment-free for at least 180 days.
Waiting periods apply for some types of coverage: Illnesses (30 days), hereditary and congenital conditions (6 months), and knee and ligament injuries, such as Anterior Cruciate Ligament (ACL), (12 months).
Fees exceeding usual and customary costs
We reimburse based on usual and customary covered charges, which are costs considered typical in areas similar to yours. We use available industry and proprietary data to determine these costs.
Chronic and ongoing conditions for some pets
If a pet is not eligible for Continuing Care at initial enrollment, chronic conditions and ongoing conditions will not be covered. These are conditions that need treatment across multiple policy periods. Dogs over age 9 and cats over age 11 at initial enrollment are not eligible for Continuing Care. All pets enrolled in Level 1 are eligible for Continuing Care. Without Continuing Care, conditions that need care across multiple plan periods are only covered if 180 days pass after cure and last treatment.
The costs of breeding or pregnancy, boarding, time or travel to a clinic, health certificates or vaccination tags, special diets or food, grooming or supplies, experimental procedures, organ transplants and holistic, homeopathic, or herbal supplies aren't covered.
Multiple foreign object surgeries
We don't cover multiple surgical incidents of foreign object ingestion in a 12-month policy period.
You can also view our sample plans for a full list of exclusions and coverage limits.