more pets deserve access to great care
Whether you have two pets or a house full, helping care for everyone can add up. With ASPCA® Pet Health Insurance, you can save 10% on the base plan premium for each additional pet you enroll.
pets deserve the best care
Get up to 90% back on vet bills with pet insurance
recognized for showing up
when
it counts
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Best Pet Insurance¹
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Best Overall Pet Insurance²
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Best for Lifelong Protection³
more than pet insurance a commitment to pets
For 20+ years, ASPCA® Pet Health Insurance has helped pet parents prepare for the cost of veterinary care. Through our longstanding relationship with the ASPCA®, we share a commitment to helping pets live happier, healthier lives.
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30-Day Money Back Guarantee*
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Manage your account online 24/7
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Visit any licensed vet in the US or Canada
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10% multi-pet discount for each additional pet
coverage that fits your pet
No two pets are quite the same. That’s why we offer coverage options you can customize based on your pet’s needs and your budget.
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Complete Coverage℠
Complete Coverage℠ can help with the unexpected, from accidents and illnesses to exam fees, diagnostics, treatments, hereditary conditions, behavioral issues, and more.
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Accident-Only
Accident-Only Coverage can help with unexpected injuries, including the costs of X-rays, blood work, medications, hospitalization, surgery, and other covered veterinary care.
Choose the coverage that works for your pet, your budget, and your life.
real pets. real relief.
"It’s always stressful when your fur babies are sick and having ASPCA® Pet Health Insurance has been such a huge relief for unexpected illnesses that inevitably pop up. Super grateful for my coverage and for how easy they make the claims submission process. This has been the best investment for my pup and a financial life saver!"4
-Alexis
how it works
Our pet insurance plans work in three easy steps.
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Visit
Take your pet to the veterinarian of your choice and pay them as usual.
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Submit
Use our app to submit a claim, even before you leave the veterinary clinic.
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Cash Back
Receive any reimbursement owed to you by direct deposit or check.
Customize the best pet insurance plan for your pet and your budget.
Get My Free Quote
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Frequently Asked Questions
You have questions, we have answers
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Pet insurance helps with the cost of veterinary care when your pet gets hurt or sick. Depending on your plan, it can help with expenses like exams, diagnostic testing, medications, hospitalization, surgery, and more.
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Complete Coverage℠ helps with accidents and illnesses, including exam fees, diagnostics, medications, hospitalization, surgery, hereditary conditions, behavioral issues, and more. Accident-Only Coverage is also available for accident-related injuries.
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Choose your coverage and pay your monthly premium. When your pet needs veterinary care, visit any licensed veterinarian, pay for their care, and submit a claim. You’ll get cash back for covered expenses based on the reimbursement percentage you selected.
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Yes. Visit any licensed veterinarian in the U.S. or Canada, including specialists and emergency clinics. There’s no provider network to worry about.
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Yes. There’s no upper age limit for ASPCA® Pet Health Insurance, so older pets can enroll, too.
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Like other pet insurance providers, we don’t cover pre-existing conditions. However, a curable condition may no longer be considered pre-existing if your pet is symptom- and treatment-free for 180 days, with the exception of knee and ligament conditions.5
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Your price depends on your pet and the coverage you select. Customize your annual limit, deductible, and reimbursement percentage to find a combination that works for your needs and budget.
1 Source: 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: Trustpilot, August 25, 2026. https://www.trustpilot.com/reviews/6a8da0dd539fa8cec8905a7a
5 Medical 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.
