Introducing Our Best
Pet Insurance Plan Ever
Complete CoverageSM offers things 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.
How Much Coverage Can You Get?
A vet bill for one condition can total hundreds to thousands of dollars. We would never want a pet parent to be in a situation where they have to refuse treatment because of the cost. Our limits reset every year so that your pet has the coverage they need throughout their life.See your coverage options and get a quote
See how our coverage has helped other pet parents get the treatment their pet needed.
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.
What’s Not Covered
Like all pet insurance providers, we have some exclusions.
Most pet insurance providers do not cover 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.
This includes things like tail docking, ear cropping, and claw removal.
Costs associated with breeding and pregnancy are not covered.
For a full list of our exclusions, see a sample policy.
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.
Easy Account Management
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:
- Submit and track claims
- Find a nearby vet clinic
- Sign up for direct deposit
- Review your benefits
- And more!