pet insurance for behavioral problems
We know it’s challenging when emotions like fear, stress, and anxiety lead to behavioral problems. We’re here to help you get the behavioral treatment your pet needs so that you can both feel happier and healthier.
common questions
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Does pet insurance cover anxiety medication?
Yes, ASPCA® Pet Health Insurance plans do cover anxiety medication prescribed by a veterinarian and approved by the FDA. In addition to managing your environment, anxiety medication can be helpful for keeping your pet calm, so it’s commonly prescribed by veterinarians.
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Does pet insurance pay for behavioral modification?
If your vet recommends a behavioral modification program for your pet, then yes, it would be eligible for coverage, as long as the program is given within the U.S. or Canada by an approved professional.
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Does dog insurance cover training?
Training for behavior problems, usually referred to as behavior modification, is covered for both dogs and cats. Examples of behavior modification include counterconditioning, desensitization, and response substitution. However, behavior modification does not include obedience training. Behavior modification must be done at a facility in the U.S. or Canada by an approved professional.
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What professionals are approved for behavioral treatment?
Treatment for behavioral problems has to be performed by a veterinarian or through a written referral by a veterinarian to any of the following:
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Applied Animal Behaviorist
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Certified Applied Animal Behaviorist (CAAB)
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Associate Certified Applied Animal Behaviorist (ACAAB)
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Diplomat of the American College of Veterinary Behaviorists (Dip ACVB)
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the cost of pet insurance for behavioral problems
Behavioral coverage is part of our base insurance plan called Complete CoverageSM, which also includes treatment for illnesses and accidents. Your premium for Complete CoverageSM will depend on where you live and the species, breed, and age of your pet. Other factors that will impact premium are the reimbursement percentage, annual deductible, and annual coverage limit you select. We keep these features customizable so it’s easier to find a plan that fits your pet’s needs as well as your monthly budget.
Complete CoverageSM
With Complete CoverageSM, you can be insured for behavioral treatments and any medical conditions that may be contributing to your pet’s concerning behaviors. It’s best to get covered as early as possible to avoid pre-existing conditions. Get a quote for a customized ASPCA® Pet Health Insurance plan today.
Get a quote for a customized ASPCA® Pet Health Insurance plan today.
common behavioral issues
Pet behavioral problems often occur as a response to a change in their health or environment. If your pet exhibits any of the issues listed, the first step would be to take them to their veterinarian to rule out underlying medical issues.
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Dog Issues
Common dog issues are vocalizing, destructive chewing, mouthing or nipping, aggression, inappropriate urination, noise phobias and separation anxiety.
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Cat Issues
Cat issues appear as inappropriate marking, urination outside the litter box, destructive scratching, nocturnal activity, fear of unfamiliar people or excessive vocalizing.
more info on pet insurance basics
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What's Covered
From unexpected accidents to unfortunate illnesses, Complete CoverageSM is our most comprehensive plan and gives you the comfort of knowing your pet is covered for everything listed here.
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Is Pet Insurance Worth It?
Pet insurance helps us give our pets the kind of medical care we want for them with less stress about the cost.
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What To Know Before You Buy
Our optional Preventive Care coverage add-on gives you cash back for routine services that help keep your pet healthy.
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How Does Pet Insurance Work?
Pet insurance is insurance for your pet. It covers the cost of treating certain illnesses and accidents, so you don’t have to pay for veterinary services out-of-pocket.
helpful resources for pet parents
Browse categories
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Dog Behavior Problems & Training
Common dog behavior problems are aggression, excessive barking, and destructive chewing. What causes these behaviors and how do you change them?
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Cat Behavior Problems & Training
Cats can be destructive. They might scratch furniture, urine mark, or knock things over. What should you do about these behaviors?
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How To Help A Dog with Separation Anxiety
Many dogs struggle with separation anxiety. What are ways to help your dog cope?
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Separation Anxiety in Cats
A change in your cat’s routine can trigger separation anxiety. Know the signs and how to treat it.
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How To Deal With Territorial Dogs
Dogs have natural territorial instincts. Learn when you should be worried about territorial behaviors and how to handle them.
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14 Weird Cat Behaviors Explained
Cats have a lot of curious habits. Find out what your cat’s odd behaviors mean and if they’re cause for concern.
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