What Does ASPCA Insurance Cover?


Quick Answer

ASPCA Pet Health Insurance covers illnesses and injuries for cats and dogs, including coverage for chronic and ongoing conditions, and Level 3 plans cover hereditary and congenital conditions. Injury-only policies are available, and wellness care can be added to any policy for an additional fee.

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Full Answer

Accident coverage for pets includes a wide array of injuries, including bite wounds, damage from car accidents, burn treatment, bone setting and removal of swallowed objects. Illnesses covered include cancer, diabetes, urinary issues, hyperthyroidism and upset stomachs. Dental illnesses such as gingivitis and periodontal disease are also covered with these plans.

Eligible pets may qualify for ongoing care for chronic conditions that cross benefits periods. These include allergies, cancer and diabetes. Hereditary and congenital conditions covered within the Level 3 plans include breed-specific issues and conditions that affect the pet from birth and alternative therapies may be covered by this advanced plan as well.

Several things aren't included in ASPCA pet health insurance plans, including issues arising from inhumane treatment and pre-existing conditions. Fees that exceed customary and usual limits don't qualify for reimbursement, and pets that require continuing care outside of the Level 3 plan don't qualify for coverage. Multiple removal of foreign objects within a 12-month period aren't covered nor are costs associated with breeding, pregnancy, boarding or grooming and supplies.

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