Top 5 ASPCA Pet Insurance Advantages

  1. Get reimbursed up to 90% of covered veterinary charges.

    Our reimbursements are based on your actual veterinary bill. They aren’t limited by a benefit schedule, which pays a fixed amount per diagnosis, regardless of the treatments your pet needs. We also don’t exclude your veterinarian’s exam fee. 

  2. Enjoy a 30-day money-back guarantee.*

    We want you to be totally comfortable with our pet insurance, so we have a 30-day money-back guarantee as long as no claims are covered. This way, you can take some time to make sure our pet insurance is right for you while your pet is protected.

  3. Choose from our preventive care options.

    We're committed to pet health, which is why we offer reimbursement on some of the services that keep your pet healthy, such as vaccines, spaying or neutering, a yearly exam, an annual dental cleaning, flea and heartworm medication, and more.

  4. Save 10% by insuring multiple pets.++

    You can save 10% when you protect more than one pet with our pet insurance. Just start a free quote by telling us about your first pet, then add your next pet. Discounts will be applied automatically. If you're an existing customer, you can add a pet online in the Member Center.

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  5. Avoid per incident deductibles.

    We have an annual deductible, which only needs to be met once a year per pet, no matter how many incidents occur. In contrast, per incident deductibles require you to pay a new deductible for every single injury or illness, which can really add up. You can also customize your annual deductible or reimbursement percentage options to fit your budget.