Swallowed String. Microchip. Diabetes.
We Cover That.
The Right Coverage for Your Cat
We admire cats for their independence. Our sassy feline friends do as they please and never let danger stop them. It’s as if cats think they really have nine lives, often eating things they shouldn’t, leaping from perilous heights, and darting out the door onto the busy street. And like us, cats can catch the flu or have a hereditary condition.
ASPCA Pet Health Insurance’s Complete CoverageSM has the protection your cat needs when they’re hurt or sick.
Add on Preventive Care Coverage
When you add Preventive Care to your plan for a little extra per month, you’ll be reimbursed up to a set amount of money for services that help protect your cat from getting sick, like vaccines, screenings, and spaying/neutering.
We don’t have a network, so your cat insurance plan will cover care from any licensed vet, specialist, or emergency clinic in the U.S. or Canada.
- Pay Your Vet Bill
- Submit a Claim
- Get Cash Back, Fast
A Tail for Further Example
Mitten the kitten was very excited about her newly-discovered jumping prowess and decided to show it off with a daring leap from the banister. She had a bad landing that resulted in a back-leg fracture and a $4,500 vet bill.
After meeting their annual deductible of $250, Mitten’s parents received $3,825 for the bill, based on their reimbursement percentage of 90%.
Several months later, a recovered Mitten worked up an appetite romping around the house. She had her toy mouse as a snack, which lead to a $6,000 foreign object removal surgery. Since they already met their deductible, Mitten’s parents were reimbursed $5,400.
Not long after, Mitten caught an upper respiratory infection. The diagnosis and meds cost $500. Mitten’s parents received $450 for their claim, and Mitten was back to her usual mischief in no time.
Note: This is a fictional story based on treatment costs from common claims. The story is meant to demonstrate how reimbursement works with Complete CoverageSM. Choose your annual limit based on how much coverage you think you’ll need during a 12 month period.
Here’s What Other Pet Parents Are Saying...
Excellent - I'd give them 6 stars if they let me.
ASPCA Pet Health Insurance is fantastic! After paying close to $700 in vet bills, I was informed that pet insurance was an option that would drastically reduce my out-of-pocket payments. I make very reasonable monthly payments and don't have the stress associated with worrying that my kitty will need a visit to the vet that will break the bank. I've also received several calls from representatives just checking in and asking how my kitty is doing and how their service is. As someone who works in a customer-service-type role, this type of "check-in" is so crucial and much appreciated! I've definitely recommended ASPCA Pet Health Insurance to multiple friends.
ASPCA Pet Health Insurance is truly…
ASPCA Pet Health Insurance is truly amazing & worth the investment. It's easy as 1,2,3 to submit your pet's statement for reimbursement.....and you get your check in the mail shortly after. I have not an ounce of negativity, only positive words!!!
Very satisfied! Took my cat to the vet recently, and the claim was processed in a timely fashion. And, the customer care is excellent!
Why Do I Need Cat Insurance?
Pet Parent Resources
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Has your feline come down with a case of the itchy-scratchies? A feline who is incessantly scratching, rubbing, chewing, or licking may be suffering from one of these common skin conditions in cats.Read more >
Fun Facts About Russian Blue Cats
With their shimmery blue coats, striking emerald eyes, and possible ties to Russian czars, Russian Blue cats can’t help but have a certain air of elegance.Read more >
Cat Urinary Tract Infections (UTIs): Symptoms and Treatment
When my friend’s cat Tyler started making frequent trips to the litter box, it didn’t seem like a big deal at first. But then his cat began peeing outside the box and all around the house.Read more >
14 Weird Cat Behaviors Explained
Cats make wonderful companions, but they can be curious critters. They like to bump their heads against us, sleep in tight boxes, knead our laps, and engage in all sorts of weird behaviors.Read more >
Cat insurance coverage can be a smart idea for all cat parents, even if your feline friend stays inside. That’s because any cat can get hurt and need expensive veterinary care. For instance, your cat could swallow a piece of string and need surgery to remove it. Or they could miss a jump to a high counter and fracture a paw.
Indoor cats can also suffer from ailments, such as ear mites, diabetes, upper respiratory illnesses, or cancer. Sick cats can need costly medical care, including diagnostic tests, medication, hospitalization, and follow-up veterinary visits.
When you cover your cat, you can help make sure you’ll be able to give them the best veterinary care possible with less worry about the costs.
Cat insurance coverage can be especially beneficial for older cats since they may need more veterinary care as they age. Senior cats can be at a greater risk for health conditions, such as arthritis, diabetes, and cancer. They can also be prone to getting hurt, especially if they’re dealing with mobility issues or cognitive decline. Just keep in mind that most plans won’t cover pre-existing conditions.
Complete CoverageSM covers the things you’d expect and then some. It offers coverage for accidents and illnesses, which includes veterinary exam fees, medication, and hospitalization. It also covers:
- Hereditary conditions, which are inherited diseases caused by a birth defect or passed down from the parents. Some common hereditary conditions for cats are lower urinary tract disease, polycystic kidney disease, and certain types of heart disease.
- Alternative therapies used to treat covered conditions. These can include acupuncture, hydrotherapy, and stem cell treatments.
- Behavioral problems with symptoms like excessive yowling, overgrooming, or going outside of the litterbox. These issues can be disruptive to the household and harmful to the cat, which is why we offer coverage to help diagnosis and treat them.
If you’re only looking for financial cushion for accidents, you can choose our Accident-Only plan. It covers your cat for all sorts of injuries from minor bumps and bruises to broken ribs or deep lacerations.
Your veterinarian might recommend prescription cat food or supplements to help them with certain health problems, such as arthritis or cognitive decline. Complete CoverageSM covers these products when they’re used to treat a covered condition (not for general maintenance or weight management).
Preventive care coverage is not included as part of Complete CoverageSM, but you can add it to your plan at a low additional cost. You can choose from two preventive care coverage options. They reimburse up to a set amount for a list of covered services that include things like annual exams, dental cleanings, and vaccines. There’s no deductible or co-insurance amount. There’s also no waiting period for preventive care coverage to start.
With Complete CoverageSM, you visit your veterinarian, pay the bill as usual, and then submit a claim. The fastest way to submit your claim is to use our free My Pet Insurance app or online at our Member Center. After we process your claim, we can deposit your money right into your bank account if you sign up for direct deposit. Otherwise, we’ll mail your reimbursement checks.
You can use any licensed veterinarian, veterinary specialist, or emergency clinic in the US or Canada with our cat insurance. You’re not limited to a network of veterinarians. There are also no referrals or preauthorization needed for specialists, such as dermatologists, oncologists, or ophthalmologists. Simply visit the specialist your cat needs to see and submit your claim as usual.
Your monthly premium will depend on your ZIP code as well as the breed and age of your cat. You can also customize your coverage to better fit your budget and coverage needs. For instance, you can choose a higher annual deductible or lower annual limit to reduce your monthly premium. You’ll see your customization options when you get a quote.
When you select your annual coverage limit, we recommend choosing the highest amount you think you might spend on veterinary care over the course of the year. You may be able to raise this limit later, but this requires starting a new policy. That means any conditions your cat had before the new policy begins would be considered pre-existing and not eligible for coverage.
Pre-existing conditions are injuries or illnesses that come up or show symptoms before your plan goes into effect or during a waiting period. Complete CoverageSM does not cover pre-existing conditions like most other insurance plans. However, these conditions may be covered in the future if they can be cured and free of symptoms and treatments for 180 days, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.