Digging Into Pet Health Insurance

Digging Into Pet Insurance

Have you ever wondered about pet insurance? Let’s dig right in to see how it can help make a difference for you and your four-legged family member.

A Tale of Two Dogs

When two dogs were brought into the El Cid Animal Clinic with the same symptoms*, their pet parents had very different experiences. One had pet insurance and easily said yes to the proposed diagnostic and treatment services without even looking over the estimated costs. She had the comfort of knowing she had help covering her dog’s care.

The other pet parent didn’t have pet insurance and couldn’t afford the services recommended for her dog. According to Dr. Xavier Garcia at the clinic, it was a “financial and emotional nightmare” for the client. “Sadly, some clients realize how important pet insurance is after being put in a position of having to choose finances over optimal care for their beloved pets,” Dr. Garcia added.


If your dog needs surgery, it can easily cost $500 and even more when you count in pre- and post-op care. ASPCA Pet Health Insurance can help you cover those bills.+

It’s not surprising that Dr. Garcia’s client had trouble managing the costs of her dog’s care. With so many advanced medical services available to pets these days, quality veterinary care can be expensive.

Even if you feel like you can manage this kind of unexpected financial hit, it can mean dipping into your savings, adding to your credit card bill, or cutting back in other ways. For instance, you may need to hold off on an important home repair or set aside a family vacation.

The Comfort of Complete Coverage

You can help avoid a tough situation with new Complete Coverage. It provides the comfort of knowing exams, diagnostics, and treatments, including alternative therapies, are covered for:

  • Accidents
  • Illnesses
  • Cancer
  • Hereditary Conditions
  • Behavioral Issues
  • Dental Disease

It even covers the most advanced treatments, like chemotherapy and surgery, and some you may not expect, such as stem cell therapy and acupuncture.

Since ASPCA Pet Health Insurance plans do not limit you to a network, you can stick with the veterinarian you trust. You can also visit specialists and emergency clinics too!

Simple to Customize

It’s easy to customize Complete CoverageSM for a fit that feels right for you and your pet.


You can pick an annual limit that best suits your coverage needs and budget. Want the ability to get reimbursed as much as possible over your plan year? Choose a higher annual limit. Want to pay a lower premium? Consider selecting a lower limit. Just keep in mind that you can only get reimbursed up to your chosen annual limit each year.


You can add preventive care for a little more per month to help cover things that can help keep your pet from getting sick. This coverage can include wellness exams, vaccines, screenings, dental cleanings, flea/heartworm prevention, and spaying/neutering.


If you’re just looking to have some help when your pet gets hurt, you can change your coverage to only include care for accidents. It covers all sorts of incidents from minor scrapes at the dog park to more serious emergencies such as getting hit by a car.

Just As Simple to Use

It’s also easy to sign up for and use your Complete CoverageSM plan:

  1. Quote & Enroll – Get a customized quote and enroll online or by giving us a call.
  2. Submit Claims – Submit claims the way that works best for you—online, by mail, or by fax.
  3. Get Reimbursed – Have your reimbursements directly deposited into your bank account or mailed. It’s up to you!
  4. Or if your Vet allows it we can pay your veterinarian directly so you have less out of pocket expenses.

Plus, you can track your claims, pay your bill, view your plan details, and update account information anytime online.

Is Pet Insurance Worth It?

As you can see from Dr. Garcia’s client, pet insurance can make quite a difference when your pet is hurt or sick. It can help you provide optimal care for your pet with less worry about the cost. For many pet parents, that comfort of knowing they have coverage in an emergency is well worth the premium, which can fit into a monthly budget.

Of course, it’s a personal decision and it can feel like a big one. That’s one of the reasons ASPCA Pet Health Insurance plans have a 30-day money back guarantee^ as long as no claims are covered. This gives you some time to make sure you’re comfortable with it.

Lots of pet parents already understand the value of a pet insurance plan. Currently, there are over 1.4 million pets insured according to the North American Pet Health Insurance Association (NAPHIA). That number continues to grow as more pet parents discover the benefits of coverage.**

It only takes a few minutes to join that growing community of responsible pet parents.
Get your plan today so you can have coverage before your next veterinary visit!


Digging Into Pet Insurance

Information provided by:
Heather M.
ASPCA Pet Health Insurance





Joe Medrano, ARM

Joe has over 30-years of experience in providing risk management & insurance consulting for businesses. He obtained his Associate in Risk Management (ARM) in 1993. He is an entrepreneur who has formed two successful for profit companies, one 501 (c) 3 non-profit organization, developed the Non-Profit Guidance Center, an online resource center for non-profits at www.nonprofitguidance.com and put together the Villages Risk Management & Insurance Program, a proprietary risk management & insurance program for non-profits that assist seniors with aging in place.