Protection for your furry friend.

Your pet is a part of your family and you want him to always be happy and healthy. However, veterinary bills can add up. Are you prepared to care for your pet if something happens? ASPCA Pet Health Insurance, underwritten by United States Fire Insurance Company, can help you manage high veterinary bills so your pet gets the care he needs.

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Learn more about Pet Insurance

Unexpected illness and accidents can happen. Help protect your pet with ASPCA Pet Health Insurance.

Get reimbursed up to 90% of covered charges*

No upper age limits

Coverage for hereditary and congenital conditions

Use any licensed vet in the US or Canada

Preventive Care coverage for a low extra cost

Save on multiple pets**

ASPCA Pet Health insurance is underwritten by United States Fire insurance Company

Frequently asked questions.

What is pet insurance?
Pet insurance helps you afford quality veterinary care so you can give your pet the best care possible. Pet insurance can cover your pet for accidents, illnesses, Preventive Care, ongoing conditions and more.

Why do I need it?
The costs of veterinary care are rising, especially as more sophisticated treatments become available for animals. Pet insurance can help you focus more on your pet's care and less on finances.

How does it work?
It's easy! Take your pet to any vet in the US or Canada and pay for the services. Then fill out a simple claim form and mail, fax, or email it with your receipts. You can track the status of your claims conveniently online at the free Member Center.

How much will I get reimbursed?
Pet insurance plans reimburse up to 90% covered charges after a low $100 annual deductible per pet. You can also customize our plans to your budget with additional deductible and co-insurance options.

Why choose us?
You'll enjoy valuable coverage that helps you prepare financially for the unexpected. Plus, we have a 30-day money back guarantee* as long as no claims are covered. That way, you can try us out risk free!

How do I get started?
You can get a free quote and enroll online with MyLifeProtected.

* Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. See all terms and conditions. Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, rates and discounts may vary and are subject to change.

Plans are underwritten by United States Fire Insurance Company and administered by Fairmont Specialty Insurance Agency (FSIA Insurance Agency in CA), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The ASPCA® does not offer insurance. Through a strategic licensing agreement, in exchange for the use of ASPCA trademarks, the ASPCA is paid a royalty fee of up to 10% of the purchase price, with a minimum of $335,000 per year.

** Discounts do not apply to Preventive Care.

Download Sample Pet Insurance Plans
Sample plans are samples only and may not include state specific variations.

Accident and Illness Coverage (Complete Coverage℠)

Base Plan

Preventive Care Endorsements for Accident and Illness
Basic | Standard | Prime

CA Insurer Disclosure

CA Insurer Disclosure

Accident Only

Base Plan

Preventive Care Endorsements for Accident Only
Basic | Standard | Prime

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INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

Notice to California Residents Enrolled before October 31, 2016
Notice to California Residents Enrolled on or after October 31, 2016

Please read below for important information to help you understand our coverage. Keep in mind, we will not reduce coverage or increase premium due to claims history.

We use certain terms in our policy documents and want to make sure you understand how they are used. Following are some common DEFINITIONS:

Congenital anomaly or disorder – means a Condition that is present from birth, whether inherited or caused by the environment, which may cause or otherwise contribute to Illness or disease.

Hereditary disorder – means an abnormality that is genetically transmitted from parent to offspring and may cause Illness or disease.

Pet insurance – means an individual or group insurance policy that provides coverage for Veterinary expenses.

Pre-existing condition – means any Condition for which a Veterinarian provided medical advice, the Pet received Treatment for, or the Pet displayed signs or Symptoms consistent with the stated Condition prior to the Effective Date of a Pet insurance policy or during any waiting period.

Usual and Customary Costs – Typical fees that Veterinarians in the same territory charge based on proprietary data and available industry information as determined by the process outlined under What Is Covered.

Veterinarian – means an individual who holds a valid license to practice Veterinary medicine from the Veterinary Medical Board pursuant to Chapter 11 (commencing with Section 4800) of Division 2 of the Business and Professions Code or other appropriate licensing entity in the jurisdiction in which he or she practices.

Waiting Period – means the period of time specified in a Pet Insurance Policy that is required to transpire before some or all of the coverage in the policy can begin.

Coverage for the following conditions may be EXCLUDED depending upon the plan chosen.

Pre-existing condition: Pre-existing conditions are not covered by our plans. However, a condition will no longer be considered preexisting if 180 days have passed since the pet’s condition was cured and free from treatment and symptoms.

Hereditary disorder and Congenital anomaly or disorder: Hereditary disorders and Congenital anomalies or disorders are excluded from coverage on the Level 1 and Level 2 plans. A list of these conditions is available here and is included with the policy documents. These disorders are covered by our Level 3 and Level 4 plans up to the applicable incident and lifetime limits.

Chronic conditions and ongoing conditions: Chronic conditions are those that can be treated or managed, but not cured. An ongoing condition is any condition that requires treatment in multiple policy periods. Our base plans provide coverage for chronic and ongoing conditions during the plan year in which the symptoms first appear. If eligible, the Continuing Care Endorsement provides coverage for conditions that span to another plan year. The Continuing Care Endorsement has separate deductible and incident/lifetime limits.

Other exclusions may apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information. Please continue reading for information on Waiting Periods, Claims, Deductibles, Co-insurance and Other Policy Limits.

Waiting Period

There are WAITING PERIODS that apply before certain coverages are effective. On Levels 2, 3, and 4, a 30-day illness waiting period applies to the first policy period. On Levels 3 and 4, conditions that appear on the Hereditary, Genetic, or Congenital List are subject to a 180 day waiting period. Diagnosis and treatment for ligament and knee conditions are subject to a 12 month waiting period on all policies. Conditions that occur during a waiting period are considered pre-existing.

Determination of Claim Payments

Our accident and illness coverage provides reimbursement for Usual and Customary costs for expenses incurred during the Policy Period that are eligible for coverage under Your policy, referred to as Covered Expenses. After subtracting the deductible amount shown on the declarations page from Covered Expenses and applying Your Co-insurance listed on the declarations page, We will pay Our portion of the Covered Expenses up to any applicable maximums. There are maximum amounts specified on the declarations page for the Incident Limit that applies to each eligible Incident. Please refer to the declarations page for other applicable coverage.

Usual and Customary Basis: Usual and Customary costs are determined by using proprietary and industry data. We use proprietary data to group zip codes into territories based on the veterinary fees charged there. Excluding outliers, the mean of the charges falling with the third quartile are deemed Usual and Customary for each territory. Publicly available industry data is used to validate the results of Our calculations.

Wellness benefits are paid according to the schedule of benefits provided with the policy, if applicable.

Deductible

We offer a choice of annual deductible options. The annual deductible applies to each policy period. We subtract that deductible amount from the covered expenses before calculating your co-insurance.

Co-Insurance

We offer a choice of co-insurance options. After the deductible is met, you are responsible for your portion of the covered expenses in addition to any amounts not covered by the policy. We then pay our portion of the covered expenses subject to any applicable plan limits.


Policy Limits

Base Policy Continuing Care Endorsement

(covers chronic and ongoing conditions)

Congenital and Hereditary Care Endorsement

(covers Hereditary disorders and Congenital anomaly or disorders included on the Hereditary, Genetic, and Congenital List)

Annual Incident Limits Incident Limit Lifetime Limit Incident Limit Lifetime Limit
Level 1 $2,500 $500 $1,500 $0 $0
Level 2 $3,000 $1,000 $2,500 $0 $0
Level 3 $5,000 $1,500 $3,500 $500 $1,250
Behavior Therapy $150 Base Policy Limits apply Not applicable
Alternative Therapy $150 Base Policy Limits apply Base Policy Limits apply
Level 4 $7,000 $2,500 $6,000 $1,000 $2,500
Behavior Therapy $300 Base Policy Limits apply Not applicable
Alternative Therapy $300 Base Policy Limits apply Base Policy Limits apply

Wellness Care Endorsement

Reimbursements are up to the lower of the amount listed or charged

Routine
Advanced
Wellness Exam $40 $50
Heartworm Test or FELV Screen $15 $15
Fecal Screen $15 $15
Spay/Neuter and/or Wellness Blood Screening $80 $100
DOGS: Rabies Vaccine/Titer or Lyme Vaccine/Titer $15 $15
CATS: Rabies Vaccine/Titer or FIP Vaccine/Titer $15 $15
Canine DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer $15 $15
Microchip and/or Urinalysis $20 $20
Canine Bordetella Vaccine/ Titer or Feline FELV Vaccine/ Titer $15
Dental Cleaning $100
Heartworm/ Flea Prevention $55

Complete Coverage℠ and Accident only

Please read below for important information to help you understand our coverage. Keep in mind, we will not reduce coverage or increase premium due to claims history.

We use certain terms in our policy documents and want to make sure you understand how they are used. Following are some common DEFINITIONS:

Pet insurance- means an individual or group insurance policy that provides coverage for Veterinary expenses.

Pre-existing condition- means any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.

Reimbursement percentage – means co-insurance.

Veterinarian- means an individual who holds a valid license to practice veterinary medicine from the Veterinary Medical Board pursuant to Chapter 11 (commencing with Section 4800) of Division 2 of the Business and Professions Code or other appropriate licensing entity in the jurisdiction in which he or she practices.

Waiting Period- means the period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy can begin.

Coverage for the following conditions will be EXCLUDED.
Pre-existing condition: Pre-existing conditions are not covered by our plans. However, a condition will no longer be considered preexisting if 180 days have passed since the pet’s condition was cured and free from treatment and symptoms.

Other exclusions apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.

Waiting Periods
There are WAITING PERIODS that apply before certain coverages are effective. On Complete Coveragesm, a 14 day illness waiting period applies to the first policy period. Diagnosis and treatment for ligament and knee conditions are subject to a 14 day waiting period on all policies. Conditions that occur during a waiting period are considered pre-existing.

Policy Limits
Reimbursement of covered expenses is subject to the annual policy limit you select at enrollment and is listed on your declarations page.

Please continue reading for information on Claims, Deductibles, Reimbursement Percentage and Deductible.

We offer a choice of annual deductible options. The annual deductible applies to each policy period. We subtract that deductible amount from the covered expenses before calculating your reimbursement percentage.

Reimbursement Percentage
We offer a choice of reimbursement percentage options. After the deductible is met, you are responsible for your portion of the covered expenses in addition to any amounts not covered by the policy. We then pay our portion of the covered expenses subject to the annual limits.

Determination of Claim Payouts
Our coverage provides reimbursement up to the applicable annual limit for the actual costs for covered expenses that you incur during the policy period, after subtracting your deductible and applying the reimbursement percentage, listed on the declaration page.

Preventive benefits are paid according to the schedule of benefits provided with the policy, if applicable, and are not subject to a deductible or reimbursement percentage. See below for a list of available benefits.

Preventive Care optional endorsement
Reimbursements are up to the lower of the amount listed or charged. Some benefits are specifies specific as noted.

Benefit Basic Standard Prime
Dental Cleaning $100 $0 $0
Dental Cleaning OR Spay/ Neuter $0 $150 $175
Wellness Exam $50 $50 $50
FVRCP Vaccine/ Titer (cats), DHLPP Vaccine/ Titer (dogs) $20 $25 $25
Rabies Vaccine/ Titer OR FIP Vaccine/ Titer (cats), Lyme Vaccine/ Titer (dogs) $20 $25 $25
Fecal Test $20 $25 $25
FELV Test (cats), Heartworm Test (dogs) $20 $25 $25
Health Certificate $0 $25 $25
Flea/ Heartworm Prevention $0 $0 $50
FELV Vaccine/ Titer (cats), Bordetella Vaccine/ Titer (dogs) $0 $0 $25
Blood Test $0 $0 $25
Urinalysis $0 $0 $25
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