Pet Insurance
Why Choose Us?
Customizable Plans
Tailor coverage to suit your pet and your budget
Hassle-Free Claims
Submit claims online, by phone, or through the app, with 98% processed within two business days.
24/7 Telehealth Support
Get expert veterinary advice anytime through 24/7 telehealth.
Mobile App
Submit and track claims, review policies, add pets, and more with the ASPCA® Pet Health Insurance app.
No Upper Age Limits
Cats and dogs 8 weeks and older are eligible to enroll, with no reduction in coverage as they age.
No Network Limit
We don’t limit you to a network, so you can visit any licensed vet, specialist, or emergency clinic you trust
Coverage to Fit Any Budget with Customizable Cost Options
You can customize your annual limit, annual deductible and reimbursement for the right coverage and the right price for you and your pet.
- Annual Limit - from $3,000 to unlimited
- Reimbursement Percentage - 90%, 80%, or 70% of your eligible vet bill
- Annual Deductible - select $100, $250, or $500
- You’ll only need to satisfy it once per 12-month policy period
What's Covered
Exam Fees, diagnostics, and treatments for conditions can be unpredictable and pricey.
Explore flexible coverage, customizable to you.
How it Works: Just pay your vet bill, submit claims, and get reimbursed for eligible expenses! You’re free to visit any licensed vet, specialist or emergency clinic in the US or Canada, and you can choose to receive reimbursement by direct deposit or mail.
Accidents
Injuries including broken paws and swallowed objects
Illnesses
Includes minor illnesses to serious diseases, like cancer
Dental Disease
Covers dental diseases like gingivitis, and tooth extractions for dental accidents.
Hereditary Conditions
Inherited conditions such as kidney or heart disease
Behavioral Issues
Issues like destructive scratching or excessive vocalization
Alternative Therapies
Treatments for covered conditions like acupuncture, chiropractic care, and hydrotherapy
Submit Claims in a Snap
Download the app
Get your claim started anywhere, anytime– even before you leave your vet's office.
Tell us what happened
Answer a few questions about your pet’s treatment.
Add a picture of your invoice
Snap a picture of your itemized invoice and any related notes from your vet.
Add Preventive Care Coverage
Preventive care coverage is an optional add-on to your base plan that helps cover routine services like annual checkups, vaccinations, and screenings. With preventive care coverage, you'll receive reimbursement up to a set amount for select wellness services-no deductible, co-pay, or waiting period - just cash back for things that help keep pets healthy.
Select Accident-Only Coverage
If you’re just looking to have some cushion when your pet gets hurt, you can choose coverage that only includes coverage for accidents. You receive cash back for the eligible costs of veterinary care in the chance of an unexpected injury.