Chronic conditions like diabetes and cancer can require ongoing treatment. Get up to 90% back on your pet's covered care.
A diagnosis can come with more than one vet bill. Complete Coverage℠ can help reimburse eligible costs for the care your pet needs along the way.
Helps cover the cost you pay just for walking through the door
Including blood work, X-rays, ultrasounds, MRIs, and more
Helps with costs of hospitalization, surgery, and other eligible care
Including medications, RX foods, and supplements prescribed for a covered condition
real pets. real long-term care.
“My dog unfortunately has chronic conditions and without ASPCA® [Pet Health Insurance] I would never be able to give him the proper care he needs. I am so satisfied with my decision to choose ASPCA® [Pet Health Insurance] after hours of researching other companies. I have also recommended ASPCA® [Pet Health Insurance] to family and friends who have chosen ASPCA® [Pet Health Insurance]. I hope the great service continues.”4
-Theresa P
Up to 90% Cash Back
30-Day Money Back Guarantee*
24/7 Telehealth Support
Mobile App for Easy Claims
coverage for cats and dogs
ASPCA® Pet Health Insurance plans offer coverage for accidents, illnesses, behavioral issues, and more. Not all pet insurance providers cover exam fees for eligible conditions, which are part of almost every veterinary bill. That coverage is built into our plans.
Our pet insurance plans work in three easy steps.
Visit
Take your pet to the veterinarian of your choice and pay them as usual.
Submit
Use our app to submit a claim, even before you leave the veterinary clinic.
Cash Back
Receive any reimbursement owed to you by direct deposit or check.
You have questions, we have answers
A chronic condition is an illness that may require care over an extended period of time or across multiple plan periods. Examples can include diabetes, cancer, arthritis, and kidney disease.
An eligible covered condition doesn't become ineligible simply because it requires ongoing care across plan periods.
No. Conditions that occur before coverage begins or during a waiting period are considered pre-existing and aren't covered. Some curable pre-existing conditions may become eligible after being free of symptoms and treatment for the required period.5
Depending on the condition and your policy, eligible care can include vet exam fees, diagnostics, treatments, prescription medications, hospitalization, surgery, alternative therapies and more.
1Source: NerdWallet, “Best Pet Insurance Companies of 2026,” 2026. https://www.nerdwallet.com/insurance/pet/best-pet-insurance-companies
2Source: Healthline, “Best Overall Pet Insurance,” 2026. https://www.healthline.com/health/pet-health/best-pet-insurance
3Source: Marketwatch, “Best for Lifelong Protection,” 2026. https://www.marketwatch.com/insurance-services/pet-insurance/aspca-pet-insurance-review/
4Source: Customer review published on Trustpilot, July 7, 2026. https://www.trustpilot.com/reviews/6a57e51b77a802c58078de50
5Medical conditions that are noted, symptomatic, or diagnosed prior to enrollment or during a waiting period are pre-existing to coverage and not eligible for reimbursement.
