Complete CoverageSM offers everything you’d want and expect for your pet when they’re hurt or sick. It covers the exam fees and costs of diagnostics and treatment for:
How Complete CoverageSM works
Pay your vet bill
Submit a claim
Get cash back
Reimbursement is based on your vet bill, so once your annual deductible is met, you’ll get 90, 80, or 70% of your covered bill back, depending on which reimbursement percentage you select when you enroll.
A vet bill for one condition can total hundreds to thousands of dollars. That’s why we have high annual limits for you to choose from, with options up to unlimited. We would never want a pet parent to be in a situation where they have to refuse treatment because of the cost.See your coverage options and get a quote
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.
Like all pet insurance providers, we have some exclusions.
No pet insurance provider covers pre-existing conditions, though each may define a pre-existing condition differently. We define a pre-existing condition as a health problem that occurs before coverage is effective or during a waiting period. However, we will no longer consider a condition to be pre-existing if your pet has been cured of it and without treatment for it or symptoms of it for 180 days.
We also offer Accident-Only Coverage, which includes the exam fees and costs of diagnostics and treatment just for accidents. Preventive care coverage is available as well. You can add it to your base plan for a little more per month. Get a quote for more information.
Account management is as easy as ever with the Member Center. Once you’re enrolled, you can access it any time from any device or simply by opening our app.
Here are the things you can do in the Member Center: