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ASPCA Pet Health Insurance

  • Pet Insurance

    • Our Plans
    • Dog Insurance
    • Cat Insurance
    • Puppy Insurance
    • Kitten Insurance
    • Senior Dog Insurance
    • Senior Cat Insurance

    Plans

    • What's Covered
    • Accident-Only Coverage
    • Preventive Care

    Coverage

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    • Pre-existing Conditions
    • Dental Coverage
    • How Pet Insurance Works
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    • How Claims & Reimbursement Work
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    • Compare Our Coverage
    • Our Advantages
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Notice to California Residents

Insurer Disclosure of Important Policy Provisions

Waiting Period Health Assessment

Waiting Period Health Assessment (Horses)

Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit https://www.aspcapetinsurance.com/more-info/state-documents-and-sample-policies/. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, discounts vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581), or United States Fire Insurance Company (NAIC #21113); please refer to your policy forms to determine the underwriter for your policy. All policies are produced by PTZ Insurance Agency, Ltd, domiciled in Illinois with corporate offices at Scottsdale, AZ (NPN: 5328528) and PTZ Insurance Agency, Ltd, d.b.a. PIA Insurance Agency in California (CA #0E36937).

The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.

© Copyright 2026, PTZ Insurance Agency, Ltd. ASPCA Logo, © Copyright 2026, ASPCA. All Rights Reserved