When seconds matter, it helps to be prepared. Get up to 90% cash back on covered emergency vet costs.
An unexpected trip to the vet can involve much more than the initial exam. Pet insurance can help reimburse costs for the care your pet needs.
Helps with costs for the initial emergency exam and visit
Includes blood work, X-rays, ultrasounds, MRIs, and other diagnostics
Helps with costs for hospitalization, surgery, and other covered care
Includes stitches, prescribed medications, and other covered treatments
For eligible accidents and illnesses, including the unexpected conditions that can send a pet to the emergency vet.
A more budget-friendly option designed to help with eligible costs from unexpected injuries and accident-related emergencies.
real pets. real emergencies.
“I’ve had ASPCA Pet Health Insurance for my Cat for over seven years, and overall my experience has been positive. The coverage helped significantly with emergency vet bills, and the claim submission process online was fairly simple. Reimbursements were not instant, but I usually received payment within a couple of weeks. What I like most is the broad coverage options, especially for accidents and illnesses. It gave me peace of mind knowing I wouldn’t have to make financial decisions during an emergency.”4
-Sonia
Up to 90% Cash Back
30-Day Money Back Guarantee*
24/7 Telehealth Support
Mobile App for Easy Claims
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
Yes. If the emergency is covered by your plan, pet insurance can help reimburse eligible vet costs. Depending on your coverage, that may include emergency exams, testing, medications, surgery, hospitalization, and other treatments.
Life happens, and pets have a way of finding trouble. Covered emergencies can include things like swallowing something they shouldn't, broken bones, cuts, bite wounds, and toxic ingestions. Complete Coverage℠ can also help with eligible illnesses that require emergency care.
Accident-Only helps with eligible costs related to unexpected accidents and injuries. That can include emergency exams, testing, and treatment for things like broken bones, swallowed objects, bite wounds, and toxic ingestions.
No. Accident-Only is designed to help with eligible accidents and injuries. If you'd like coverage that can also help with eligible illnesses, Complete Coverage℠ may be a better option.
You can sign up for future coverage at any time. However, injuries or conditions that happen before coverage starts, or during an applicable waiting period, are considered pre-existing and aren't eligible for reimbursement.5
Yes. Whether it's your regular vet, an emergency clinic, or a specialist, ASPCA® Pet Health Insurance lets you see any licensed veterinarian.
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, May 26, 2026. https://www.trustpilot.com/reviews/6a15ae4d0182ad1bda907d44
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.
