What’s Covered?
ASPCA Pet Health Insurance was the first US offering to not use a benefit schedule to determine reimbursements. A benefit schedule sets a fixed payout amount per diagnosis, and the amount doesn’t change for individual pets’ treatment circumstances or geographic costs. ASPCA Pet Health Insurance reimbursements are based on the actual treatments performed, not the diagnosis.
There are 3 plans available.
- Level 1
- Injuries and accidents
- Ideal if you’re looking for basic injury-only coverage
- Level 2
- Injuries and illnesses
- Ideal if you want to cover your pet for illnesses, including cancer
- Not ideal if your pet is likely to have a hereditary condition
- Level 3
- Injuries, illnesses, and advanced
- Ideal if you’re looking for comprehensive coverage
- Ideal if your dog or cat is likely to develop a hereditary condition
Two wellness options are available as add-ons:
- Routine Wellness
- costs $10/month for $200 in annual benefits.
- Advanced Wellness
- costs $25/month for $400 in annual benefits.
Advanced Wellness offers more comprehensive wellness benefits for cats and dogs, including dental cleanings and flea medication.
What’s Not Covered?
The following are excluded:
- all pre-existing conditions;
- diagnosis or treatment for any and all types of knee or ligament conditions within the first 12 months;
- dental diseases (only extractions may be covered under specific conditions);
- only one surgical removal of a foreign object (ingested or otherwise) is covered each policy term.