What Does Pet Insurance Cover? | ASPCA® Pet Insurance

What is pet insurance cover

what is covered

Full Coverage gives you peace of mind knowing your pet is covered for everything listed here. You may be surprised to learn that not all pet insurance providers cover exam fees for eligible conditions, which are part of almost every veterinary bill. that coverage is built into our plans.

Some other providers also have vaccinations or other requirements related to the care of your pet. If you do not follow the provisions of this policy, your claims may not be reimbursed. We believe it’s best to leave your pet’s care in the hands of you and your veterinarian.


Accident coverage can help you care for your pet when it gets hurt without worrying as much about the cost. covers accident-related injuries and emergencies, such as torn ligaments, bite wounds, cuts, broken bones, swallowed objects, and toxic ingestions. it also includes all kinds of services related to accidents, such as x-rays, magnetic resonances, ultrasounds, blood tests, sutures, medications, hospitalization and surgery. by the way, we offer an accident-only plan if you only want coverage for injuries.


With sickness 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). can cover the costs of everything from diagnosing the health condition to the treatments your pet needs to get better. It can be a great relief to have this financial support when you are faced with the stress of caring for a sick pet.

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hereditary and congenital conditions

This coverage is for the costs of hereditary conditions and birth defects that show no symptoms until later in your pet’s life. They can include heart disease, intervertebral disc disease (IVDD), eye disorders, and hip dysplasia.

It’s important to shop around for pet insurance that covers hereditary conditions, especially if your pet is prone to these disorders. Some pet insurance providers only offer this coverage as an optional add-on. that means you’ll have to pay more if you want to add it to your plan.

alternative therapies

There are now many alternative therapies available to help pets recover from injury or illness. They include acupuncture, physical therapy, chiropractic care, rehabilitation therapy, hydrotherapy, and low-level laser therapy. comprehensive coverage reimburses you for alternative therapies used to treat a covered condition. some other providers do not have this coverage or offer it only as an optional add-on.

behavior problems

Behavior problems with symptoms such as excessive licking, hair pulling, pacing and destructive chewing can be distressing and harmful to your pet. In addition, they can damage your home and disrupt your family life. Comprehensive coverage covers the costs of diagnosing and treating these problems. this coverage is not available with all pet insurance providers or is sometimes only offered as an optional add-on.

chronic conditions

These are conditions that need care across multiple plan periods, such as diabetes and cancer. With comprehensive coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it’s ongoing.

prescription drugs

If your pet gets hurt or sick, he may need prescription medication to help relieve pain, reduce inflammation, or fight infection. They may also need medication to control chronic conditions, such as thyroid problems. Comprehensive coverage includes prescription drug coverage for covered conditions.

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prescription foods & supplements

Your veterinarian may recommend prescription foods or supplements to help your pet with certain health conditions. With comprehensive coverage, you may be reimbursed for these products when used to treat a covered condition (not for general maintenance or weight management). some other providers do not have this coverage or offer it only as an optional add-on. some also set limits on how long this coverage can be used.

microchip implant

A microchip may seem like a small thing, but it can go a long way when it comes to making sure your pet returns to you safely. We cover microchipping because we know the important role it can play in bringing your four-legged family member home.

What if I only want coverage for injuries? You can choose accident-only dog ​​insurance or cat insurance, which will cover your pet if he gets hurt.

what is not covered

Like all pet insurance providers, we have exclusions, which are things that are not included in your coverage. You want to make sure you understand the exclusions of any plan you’re considering so there are no surprises later. We work hard to keep our list of exclusions to a minimum. you can read about some of them here and review a sample policy for the full list of exclusions.

pre-existing conditions

pre-existing conditions occur before coverage begins or during a waiting period. these conditions are not covered. however, with our plans, this does not mean that the condition cannot be covered in the future if it is curable. an injury or illness that is healed and free of treatment and symptoms for 180 days will no longer be considered pre-existing, with the exception of knee and ligament conditions. if a knee or ligament condition occurs before the effective date of coverage or during a waiting period, future ones will not be covered.

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cosmetic procedures

Our plans do not cover elective procedures, such as tail docking, ear docking, and hoof removal.

breeding costs

Our plans do not cover costs associated with reproduction or pregnancy.

preventive care (optional add-on)

Does pet health insurance cover vaccinations and other routine care? this coverage is not included as part of the comprehensive coverage, but you can add it to your base plan for a little more per month. It reimburses you for all kinds of services that can help keep your pet healthy, like annual wellness exams, vaccinations, flea and tick medications, heartworm prevention, and screenings. There is no deductible or coinsurance amount with preventive care coverage.

Get a free quote now to see what types of pet insurance plans are available for your pet.

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