Pet Insurance Coverage

Last modified 02/08/2021

1. Selected Plan Highlights

1.1. Accidents
Accident coverage is for injuries and emergencies like torn ligaments, bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions. It also includes all sorts of services related to accidents, such as X-rays, MRI, ultrasounds, bloodwork, sutures, medications, hospitalization, and surgery.
1.2. Illness
With Illness coverage, you can get reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, hypothyroidism, ear infections, digestive problems, and urinary tract infections (UTIs). It can cover expenses for things from diagnosing the covered condition to the treatments your pet needs to get better.
1.3. Hereditary and Congenital Conditions
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life. They can include heart disease, intervertebral disk disease (IVDD), eye disorders, and hip dysplasia.
1.4. Alternative Therapies
Nowadays, there are lots of alternative therapies available to help pets recover from injuries or illness. They include acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy.
1.5. Behavioral Issues
Behavioral issues with symptoms such as excessive licking, fur pulling, pacing, and destructive chewing, can be distressing and harmful to your pet. Plus, they can damage your home and disrupt your family life. Accident and Illness covers the costs of diagnosing and treating these issues.
1.6. Chronic Conditions
These are conditions that need care across multiple plan periods, such as diabetes and cancer. With Accident and Illness Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.
1.7. Prescription Medication
If your pet gets hurt or sick, they may need prescription medication to help alleviate pain, reduce inflammation, or fight off an infection. Accident and Illness Coverage includes prescription medication coverage for covered conditions.
1.8. Prescription Food & Supplements
Your vet may recommend prescription food or supplements to help your pet with certain health conditions. With Accident and Illness Coverage, you can get reimbursed for these products when they’re used to treat a covered condition (not for general maintenance or weight management).
1.9. Microchip Implantation
A microchip may seem like a small thing, but it can help in a big way when it comes to making sure your pet is returned to you safely. We cover microchip implantation because we know the important role it can play in getting your four-legged family member back home.
1.9. Preventive Care (Optional Add-on)
This low-cost add-on reimburses you for all sorts of services that can help keep your pet healthy, such as annual wellness exams, vaccines, flea and tick medication, heartworm preventative, and screenings. Best of all, there’s no deductible or co-insurance amount.

2. Selected Examples of Restrictions

2.1. Pre-existing Conditions
Pre-existing conditions are not covered. These conditions occur before coverage begins or during a waiting period (especially knee and ligament conditions). A curable injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions.
2.2. Cosmetic Procedures
Plans don’t cover elective procedures, such as tail docking, ear cropping, cosmetic orthodontic procedures, and claw removal.
2.3. Breeding Costs
Plans don’t cover costs associated with breeding or pregnancy.
2.4. Dental Cleanings
Unless they are required for the treatment of a covered illness.
2.5. Experimental or Investigational Treatment
Therapies that haven’t been proven or widely accepted by the veterinarian community to be effective.
2.6. Organ or Heart Valve Replacement
Unfortunately, these procedures aren’t currently covered.
2.7. Self-Practice
Treatment you provide if you or your policy’s co-owner happen to be a veterinarian.
2.8. Un-endorsed Preventative Care
General health maintenance procedures such as blood tests, for example. These are not covered when care isn’t linked to a qualifying occurrence.
2.9. Non-Veterinary Services
Such as administrative fees, transportation costs (to and from the vet), house call fees, and training services or devices.
2.10. Food and Supplies
Items including prescription food, commercial diets, herbs, and non-medical grooming devices or toys (among others) are not included in your Accident Policy coverage.
2.11. Reckless Accident or Injury
Conditions resulting from neglect or activities such as racing, fighting, or guard duty.
2.12. Boarding Fees
Not included in your policy.
2.13. Funeral Expenses
Costs falling under this category are exempt from coverage.
2.14. Large-Scale Conflicts, Terrorism, and Pandemics
Conditions resulting from pandemics/epidemics, nuclear weapons activities, terrorism, or acts of war are not included in your coverage.
2.15. As for the rest
Looks like you're pretty thorough. We like that. If we tried fitting all the details here though, you'd get sick of clicking that arrow. So here's a page where you can get the full story on our Pet Accident & Illness Policy Coverage.

Pet Insurance is provided through the  ASPCA Pet Health Insurance program. The ASPCA® is not an insurance and is not engaged in the business of insurance. ASPCA Pet Health Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Insurance plans are marketed and produced by Waffle Labs, Inc. NPN # 19499260, in partnership with C&F Insurance Agency, Inc.  

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit the
sample policy page. Preventive Care reimbursements are based on a schedule. Accident & Illness coverage reimbursements are based on the invoice. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout.