10 Reasons to Choose ASPCA Pet Health Insurance

We know you have lots of options when it comes to choosing a pet insurance plan. And only you can decide which one is right for you and your four-legged family member. But there are plenty of ways we stand out from the rest of the pack.

  1. Robust coverage for your pet

    Complete CoverageSM gives you the comfort of knowing your pet is covered for all sorts of accidents and injuries, including cuts, bruises, burns, broken bones, bite wounds, swallowed objects, and toxic ingestions. It also covers your pet for major and minor illnesses from ear infections to cancer.

    Plus, Complete CoverageSM offers coverage for hereditary conditions, such as hip dysplasia, intervertebral disc disease (IVDD), and eye disorders as well as alternative therapies, like hydrotherapy, acupuncture, low level laser therapy, chiropractic treatments, and stem cell therapy. In addition, it covers costs related to the diagnosis and treatment of behavioral conditions, which can include fur pulling, destructive chewing, and excessive licking.

    By the way, we offer an Accident-Only plan too. This is a great option for pet parents who just want a little financial cushion in case their pet gets hurt.

  2. Coverage for exam fees

    Exam fees are part of nearly every veterinary bill, so you may be surprised to learn that they’re not covered by some pet insurance plans. With Complete CoverageSM, you’ll get reimbursed for exam fees for covered conditions.

  3. Freedom to use any veterinarian

    You can use any licensed veterinarian in the US or Canada with Complete CoverageSM. This includes emergency clinics and veterinary specialists, such as cardiologists, dermatologists, and oncologists. There’s no referral or preauthorization needed for specialist visits.

  4. No exam required before enrollment

    There’s no need to get your pet a physical or make sure they have certain vaccines before you can enroll in Complete CoverageSM. We also never interfere with your veterinarian’s treatment recommendations. We believe health care decisions about your pet are best left up to you and your veterinarian.

  5. Optional preventive care coverage

    We offer two options for preventive care coverage, which you can add to your base plan at a low additional cost. This coverage can help you manage the costs of services that protect your pet from getting sick, such as annual check-ups, vaccines, dental cleanings, and heartworm medication.

    It works a little different from our accident and illness coverage in that it reimburses you up to a set amount for a list of covered services. There is no deductible, co-insurance, or waiting period with our preventive care coverage.

  6. Ability to customize your plan

    You can customize your plan to make sure it fits your budget and coverage needs. For instance, you can select a lower annual limit if you’d like a lower premium—or pick a higher limit if you want the ability to get more cash back during your plan year. You can also choose from three annual deductible options and reimbursement percentages.

  7. Simple claim filing and account management

    You can submit claims easily using our free My Pet Insurance app. It’s simple and can be done even before you leave your veterinarian’s clinic. Just open the app on your phone, enter some information about the incident, and snap a photo of your invoice. You can also use the app for convenient account management. For instance, you can track the status of claims, pay bills, update contact information, and review coverage details.

    Additionally, we give you the ability to submit claims and manage your account online at our Member Center. And of course, you can submit your claims by email, fax, or mail if one of those methods works better for you.

  8. Experience and best-in-breed customer service

    We’ve been offering pet insurance plans since 1997. Our experience enables us to design plans that benefit our customers and their four-legged family members.

    We also set the bar high for customer service. We have a caring team of representatives who are pet parents too. They understand how it feels when a beloved pet is hurt or sick, and they’re dedicated to providing our customers with the support they need when they need it.

  9. Multiple pet discount

    You can enjoy a 10% discount on eligible multiple pets with our pet insurance. Even if you only have one pet now, this discount can be useful if you decide to welcome another pet into your family in the future.

  10. Money back guarantee*

    We want to make sure you’re comfortable with your coverage, which is why we offer a 30-day money back guarantee. You can get a full refund within this time frame as long as no covered expenses have been applied to your deductible or reimbursed. Please note this guarantee is not available in NY.

    Still not sure? Read customer reviews to see what our customers are saying about us. When you’re ready, you can get started with a free quote and enroll online.