let's dig into pet insurance coverage for dogs and cats
Our pets deserve the best care, and pet insurance can help you with the costs of covered veterinary care when they get hurt or sick.
ASPCA® Pet Health Insurance plans can help cover the eligible exam fees and costs of diagnostics and treatments for:
Hereditary and Congenital Conditions
how does it work?
Take your pet to the veterinarian of your choice and pay them as usual.
Use our app to submit a claim even before you leave the veterinary clinic.
Receive reimbursement for eligible vet bills by direct deposit or check.
You control your annual deductible, annual limit and reimbursement percentage selections, for a plan designed to fit your pets needs.
This is the amount you must satisfy for covered veterinary expenses before you can start being reimbursed. Your deductible is annual, you only have to meet it once per year, regardless of how many claims you submit.
You choose a deductible of $100, $250, or $500.
The total amount you can be reimbursed for covered conditions annually over a 12-month policy period.
You choose from a wide variety of options including: $2,500, $4,000, $7,000, $10,000, and more!
This is the total amount you can be reimbursed annually over a 12-month policy period.
You choose a reimbursement percentage of 70%, 80%, or 90%.
Looking for more insight on the ASPCA® Pet Health Insurance program?
Check out our reviews on Trustpilot.
ASPCA Pet Health Insurance is excellent
ASPCA Pet Health Insurance was timely about my claim when my dog injured her back. It helped so much to have an easy claim submittal and a quick financial reimbursement turn around when I had such a large unexpected expense.
pet insurance myths
There are a lot of myths floating around about pet insurance. These are the ones we hear most often:
“The coverage isn’t worth the price.”
Like all pet insurance providers, our plans have some exclusions. You might be surprised by how much you can have covered. And, because our plans are customizable, you can find the coverage that is right for your pet and your budget.
“Saving up for vet care is a smarter option.”
It’s always smart to save, but having pet insurance, in addition to savings, is even smarter. One condition can lead to a vet bill totaling hundreds to thousands of dollars. Rebuilding your savings could take a long time, where the annual limit for a pet insurance plan resets every year.
“My pet already has a health condition, so they’re likely ineligible for coverage.”
Even if your pet has a condition that’s considered pre-existing, they can still be covered for new conditions and accidents that occur.
“I probably can’t use it for most veterinary clinics.”
Unlike providers for human health insurance, we don’t restrict you to a network. With coverage, you can be reimbursed for care provided by any licensed veterinarian, specialist, or emergency clinic in the U.S. or Canada.