Pet insurance from ASPCA Pet Health Insurance covers accidents, illnesses, hereditary conditions and behavioral issues for dogs and cats. Owners can visit any licensed veterinarian in the United States or Canada. There is no limited network to work around. The program has partnered with the ASPCA since 2006. The ASPCA itself does not underwrite the insurance. It collects a licensing royalty for use of its name instead. Independence American Insurance Company or United States Fire Insurance Company underwrites the actual policies. PTZ Insurance Agency produces them. This structure matters, since the ASPCA brand reflects a partnership rather than direct coverage from the nonprofit.
The flagship Complete Coverage plan reimburses exam fees, diagnostics and treatment. It covers accidents, illnesses, hereditary conditions and behavioral problems like destructive scratching. It also covers dental disease, including extractions, and alternative therapies such as acupuncture and hydrotherapy. The plan pays owners back up to 90 percent of the bill for eligible treatments. Owners can also choose a narrower accident only plan. They can add preventive care coverage for routine costs like vaccines and annual checkups too.
A mobile app lets policyholders submit claims. Many do this before they even leave the vet’s office. The company gives a 10 percent discount for each additional pet an owner enrolls. It also offers a 30 day money back guarantee when an owner files no claims. This guarantee excludes New York and varies in Maine, Louisiana and Washington. For pet owners comparing providers, ASPCA Pet Insurance offers flexible vet choice and a wide range of eligible conditions.
