You’ll need to meet a deductible before you can start getting reimbursed. Some providers have a per incident deductible, which means you’ll need to meet that amount for every incident. Other providers have an annual deductible that you only need to meet once a year no matter how many times your pet is hurt or sick.
With the ASPCA® Pet Health Insurance program, you can choose from $100, $250, and $500 annual deductible options. You can select a higher deductible to pay a lower monthly premium or pick a lower deductible if you want the ability to get more money back.
Reimbursement Percentage
This is the percentage of covered costs you’ll get back after you meet your deductible. The ASPCA Pet Health Insurance program lets you pick from 70%, 80%, and 90% options. If you choose a lower amount, you can pay a lower monthly premium. If you go with a higher amount, you’ll get more cash back on your eligible claims.
Annual Coverage Limit
This is the maximum amount you can get reimbursed over a 12-month policy period. It resets when a new policy period begins. The ASPCA® Pet Health Insurance program offers a choice of annual coverage limits from $2,500 to unlimited so you can pick the amount that works best for you.
How to Submit a Claim
If something happens to your pet, you can take them to any veterinarian for treatment, pay for their services as usual, and submit a claim for reimbursement of covered conditions. The mobile app and Member Center are the fastest ways to get your claim started, but you can still submit them by email, fax, or mail. Just download a claim form and follow the instructions.
Getting Reimbursed
You can select direct deposit option to have your reimbursements deposited right into your bank account. This way, you can get your money as quickly and easily as possible without having to wait for a check in the mail or deposit a check. However, you can choose to have your reimbursements mailed as a check if that works better for you.
**Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254, or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).
The ® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.
Vets Choice Insurance is a brand name of Dow Agency Insurance (NPN: 7648017; CA license 0D87914) a licensed insurance agency. Dow Agency Insurance does not underwrite pet insurance or pay claims, but receives compensation on sale and/or renewal.
