1. Get reimbursed 90% of usual and customary covered charges.

      ASPCA Pet Health Insurance plans reimburse 90% of usual and customary covered charges from your actual veterinary bill. Our reimbursements aren’t limited by a benefit schedule, which pays a fixed amount per diagnosis, regardless of the treatments your pet needs. We also don’t exclude your veterinarian’s exam fee. Since more than 60% of claims include this fee, this can have a big impact on your payouts.+

    2. Enjoy a 30-day money back guarantee.

      We want you to be totally comfortable with our pet insurance, so we have a 30-day money back guarantee as long as no claims are covered. This way, you can take some time to make sure our pet insurance is right for you while your pet is protected.

    3. Choose from two wellness care options.

      We're committed to pet health, which is why we have two options for wellness care that you can add for a low cost to any plan. Our least expensive option includes standard vaccines, spaying or neutering, and a yearly exam. Our second option adds coverage for additional vaccines, an annual dental cleaning, flea and heartworm medication and more.

    4. Save 10% by insuring multiple pets.++

      You can save 10% when you protect more than one pet with our pet insurance. Just start a free quote by telling us about your first pet, then add your next pet. Discounts will be applied automatically. If you're an existing customer, you can add a pet by calling 1-866-204-6764.

    5. Meet only a low $100 annual deductible.

      Our low $100 deductible only needs to be met once a year per pet, no matter how many incidents occur. In contrast, per incident deductibles require you to pay a new deductible for every single injury or illness, which can really add up. You also can customize our plans with annual deductible or co-insurance options to fit your budget.

     Get a fast, free online quote.

    It’s quick and easy to find out how much it would cost to protect your pet with our pet insurance. Plus, you can enroll online in a snap when you're done – or save your quote and enroll later on. Start your free quote now!