ASPCA Pet Health Insurance for Dog & Cat

Why Our Users Picked It:

Users appreciate that the ASPCA Pet Health Insurance program offers up to 90% reimbursement of covered conditions for services relating to emergency visits, chronic conditions, alternative therapies and even things you may not think about like prescription medications. For an additional price per month, one of two optional Preventive Care plans can be selected to reimburse on things that help keep your pet healthy. Many users have also highlighted the positive experience of working with the helpful and responsive customer services representatives.

Pros & Cons:

• Simple and streamlined claims process
• Awesome customer service
• Extensive coverage of many conditions and treatment options
• Some of the most affordable premiums in the space
• No special waiting periods for cruciate ligament issues or other specific conditions

Plan Limits

• Per Condition Limit Unlimited
• Lifetime Limit Unlimited
• Deductible Type Annual
• Direct Pay

What is Covered?

• Accident and Injury Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Hospitalization Covered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)
• Rehabilitation Covered up to the selected annual limit for accidents, injuries and illnesses ($2,500-Unlimited)
• Continual Care Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
• Emergency Visits Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
• Surgery Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
• Dental Trauma Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Foreign Object Ingestion Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Congenital or Hereditary Conditions
• Cancer Treatments Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
• Dietary Supplements Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
• End of Life: Burial and Cremation Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
• Illness Covered with a Complete Coverage plan, up to the selected annual limit ($2,500-Unlimited)
• Specialists Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Prosthetics
• End of Life: Euthanasia Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Prescription Drugs Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Outpatient Care Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Bilateral Conditions If any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period they will no longer be covered.
• Travel Coverage If a pet is traveling within the U.S., it's territores or Canada it is covered. We do not pay for traveling expenses (i.e. if the veterinarian has to come to the pet owner's home)
• Vet Exam Fees Covered up to the selected annual limit for both accidents and illnesses ($2,500-Unlimited)
• Medical Imaging Covered up to the selected annual limit for accident and injury only ($2,500-Unlimited)
• Organ Transplants
• Wellness Cover Optional Preventive Care add-ons provides a benefit schedule with set reimbursement amounts for select services
• Lab Tests "Diagnostic Testing (Lab Tests)": Covered up to the selected annual limit for both accidents and illnesses
• Behavioral Treatments Coverage offered with purchase of Complete Coverage plan only

Plan Summary

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout. Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937). The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.