protect your pet’s health

Your pets can receive coverage to stay healthy, too. Voluntary pet insurance helps you be financially prepared, as veterinary bills can add up quickly. With pet insurance through ASPCA Pet Health Insurance, you can save on unexpected veterinary expenses plus optional coverage to help pay for routine veterinary care, such as vaccines, wellness exams, and teeth cleaning. 

get to know the plan

options & coverage

• Complete Coverage^SM: Comprehensive coverage for accidents, illnesses, hereditary conditions, alternative therapies, prescription needs, and behavioral issues.
• Accident-Only: Coverage exclusively for accidents.
• Preventive Care: Optional coverage for vaccinations, dental care, and more.
• Custom coverage:
  • Choose your annual coverage limit: $3,000 to unlimited.
  • Choose your reimbursement percentage: 90%, 80% or 70%.
  • Choose your annual deductible: $100, $250 or $500.

what is covered

• Accidents
• Illnesses
• Behavioral issues
• Cancer
• Dental disease
• Hereditary conditions

And more!

what’s not covered

• Pre-existing conditions.*
• Some knee and ligament conditions.

how our coverage works:

1. Visit any vet: There is no network, so you’re free to visit any licensed vet, specialist,or emergency clinic in the U.S. or Canada.
2. Submit a claim: You can easily submit a claim online.

Get reimbursed: Receive reimbursements for your vet bill, by direct deposit or mail.

waiting period

• Preventive care coverage starts immediately.
• Accident and illness coverage have a 14-day waiting period.

*Pre-existing conditions may be covered if curable and symptom-free for 180 days (excluding knee and ligament conditions).