ASPCA Pet Insurance

Coverage

ASPCA Pet Insurance offers both accident and illness coverage and accident-only coverage options.  A preventive care coverage add-on is available at an additional cost.

Enrollment Requirements

Enrollment Exam Requirements: There are no enrollment exam requirements.

Policy Exclusions

The ASPCA Pet Health Insurance Program will not pay for costs associated with or resulting from the following:

a. Aesthetic, cosmetic, endodontic, or orthodontic dental services such as caps, crowns or crown amputation, fillings, implants and root canals or planing.

b. Anal sac (gland) expression and/or resection when no infection or disease is present.

c. Boarding.

d. Breeding, pregnancy, whelping or nursing.

e. Conditions that occur during a waiting period.

f. Cosmetic and elective prostheses or procedures (including but not limited to claw removal, ear cropping and tail docking).

g. Dental cleanings unless used to treat a covered illness or covered by an applicable endorsement.

h. Experimental or investigational treatment or medication (including clinical trials) that is not generally accepted in the veterinary medical community as effective or proven.

i. Funeral services, memorial items, urns, caskets, or burial plots/fees.

j. Grooming or grooming supplies (including but not limited to non-prescription baths, ear cleanings, non-prescription shampoos and nail trims).

k. Herbal and herbal-like products including Cannabis (CBD) and food products.

l. House call fees, time and travel expenses to and from the veterinarian’s premises or hospital.

m. Illness or injury that results from intentional, malicious, or grossly negligent activities or from failure to perform actions commonly accepted as responsible pet care by you, a member of your household or a caregiver for your pet.

n. Ligament and knee conditions, if any ligament and knee condition occurred prior to the first effective date of the applicable coverage or during a waiting period.

o. Non-medical supplies such as but not limited to toys, leashes, ramps, bedding or other devices intended to prevent injury or illness, but that do not treat a condition.

p. Non-veterinary services (including but not limited to administrative fees, medical records expenses, medical waste, discount package or membership fees, postage and tax).

q. Organ or heart valve transplants.

r. Pre-existing conditions that occurred on or before the first effective date of the applicable coverage or during a waiting period.

s. Prescription pet food, pet food that is used beyond resolution of symptoms for prevention or general health maintenance (including weight loss) even if prescribed, dispensed, or recommended by a veterinarian; whole food or fresh food diets, lightly cooked diets, custom diets or limited ingredient diets even if prescribed, dispensed or recommended by a veterinarian. Pet food that is available without a prescription from a veterinarian, commercial diets or treats including foods such as life stages (puppy, senior, etc.), low calorie, sensitive stomach, or urinary support even if dispensed or recommended by a veterinarian.

t. Preventive care without an occurrence (including but not limited to general health maintenance diagnostics, laboratory procedures, medications, physical examinations and surgery) unless covered by an applicable endorsement.

u. Supplements and vitamins used for prevention or general health maintenance (including weight loss) even if prescribed or dispensed by a veterinarian.

v. Training or training devices.

w. Treatment when the veterinarian conducting or supervising is you or a co-owner on your account or an immediate family member.

x. Treatment arising from avian influenza; intentional slaughter by, or under, the order of any government or public or local authority; epidemics or pandemics as declared by the U.S. Department of Agriculture; nuclear reaction, radiation, radioactive contamination or the discharge of a nuclear device, whether controlled or uncontrolled, accidentally or otherwise; chemical, biological, bio-chemical or electromagnetic weapon, device, agent or material whether controlled or uncontrolled, accidentally or otherwise; war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped, strikes, riots, or civil commotion and terrorism.

y. Veterinary expenses related to coursing, organized fighting, law enforcement or guarding, personal protection or racing.

For all terms and conditions visit www.aspcapetinsurance.com/terms.

*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 and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice.  Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

The ASPCA is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. 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. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.