ASPCA Pet Health Insurance
Complete Coverage
Broad accident & illness coverage including exam fees, dental disease, behavioral issues and alternative therapies.
$$ Mid-rangeAccident & illness
- Reimburses
- 70/80/90%
- Annual limit
- Unlimited
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- 14 days
- Illness wait
- 14 days
- Deductible
- Annual deductible, typically $100, $250 or $500 (options shown on your quote).
- Annual limit
- Annual limits from $3,000 up to unlimited.
- Dental
- Dental disease (like gingivitis) and tooth extractions for dental accidents are covered.
- Alternative therapy
- Acupuncture, chiropractic care and hydrotherapy for covered conditions are included.
- Wellness
- Optional Preventive Care pays scheduled amounts for exams, vaccines and more — no deductible or waiting period.
- Waiting periods
- Accidents 14 days, illness 14 days. Coverage starts on the 15th day after the effective date.
- Cured pre-existing conditions
- A cured condition that's been free of symptoms and treatment for 180 days can be covered again — except knee and ligament conditions.
- Eligibility
- No maximum enrollment age. Minimum age 8 weeks. Sold in every state.
- Multi-pet discount
- 10% for each additional pet
- Underwriter
- Independence American Insurance Company or United States Fire Insurance Company
Good to know
- •Exam fees, hereditary and behavioral conditions included
- •Cured conditions covered after 180 symptom-free days
- •10% multi-pet discount
- •Visit any licensed vet in the US or Canada
Watch out for
- !14-day waiting period applies to accidents as well as illness
- !Knee and ligament conditions can never become eligible once pre-existing