• Save 80% on Your Vet Bills

    We'll reimburse you for 80% of your allowable veterinary expenses.

  • Use Any Vet in the US or Canada

    That means your pet can continue going to the vet you both trust.

  • Enjoy 10% Savings on Multiple Pets

    Save money by insuring all of your pets on the same plan
    (except the Safety Plan).

Our Pet Insurance Plans

  • We offer increasing levels of coverage, so you can find the plan that's
    right for you and your pet.

  • Safety Plan

    Basic Accident Coverage

    Get basic coverage with our affordable Safety Plan, which covers accidents. All dogs and cats are eligible, regardless of age, breed, or health conditions. More.

  • Primary Plan

    Accident & Illness Coverage

    Make sure you're financially prepared for the unexpected with our Primary Plan. It includes coverage for both accidents and illnesses. More.

  • Advantage PlanWC

    Accident, Illness, & Wellness Care

    Keep your pet healthy with the Advantage Plan. It covers accidents and illnesses as well as essential Wellness CareWC, like annual check-ups and vaccinations. More.

  • Premier PlanWC+

    Accident, Illness, & Deluxe Wellness Care

    Get total peace of mind with our Premier Plan. It covers accidents, illnesses, and Deluxe Wellness CareWC+, which includes a full range of wellness treatments. More.

  • Sterling PlanWC

    Help for Long-term Care

    In addition to accidents and illnesses, our Sterling Plan covers treatments for chronic or long-term conditions that appear in the previous plan year. More.

Compare all plans

NOTE: This is just a sample of the outstanding plans and rates available for your pet. Additional premiums may apply to certain breeds, metropolitan areas, and ages. The plan may not be available in all states, and this is not a complete description of all coverage terms, conditions, and exclusions. Issuance of coverage is subject to underwriting. Premium costs are monthly. Rates and coverage subject to change. See coverage terms for a full description of the scope and limitations of coverage.

Easy to Use Plans

Step One: Get Treatment
Take your pet to ANY licensed vet in the US or Canada and pay for the services.

Step Two: File a Claim
Fill out and send in our simple one-page claim form with any receipts.

Step Three: Get Reimbursed
 You'll get back 80% of allowable charges, after the $100 annual deductible is met.

30-day Money Back Guarantee

We'll do everything we can to make sure you're happy with ASPCA Pet Health Insurance, but if you're not satisfied, we'll give you your money back. Refunds will vary by state.

Low Annual Deductible

Like most pet health insurance, our plans have an annual deductible that you'll need to meet before you'll start getting reimbursed. Our annual deductible is just $100 and only needs to be met once a year.

Plan Exclusions

All pet health insurance plans have exclusions, which are treatments that are not covered. We believe that it's important for you to understand these exclusions before you make a decision. View our exclusions.