ASPCA Complete Coverage
Your premium is set by ASPCA Pet Health Insurance after you request a quote on its site. It depends on the coverage you pick, where you live, your history and the carrier's own underwriting, and can be higher than any starting figure the carrier advertises.
Accident and illness plan for dogs and cats covering accidents, illnesses, hereditary conditions, behavioral issues, dental disease, alternative therapies, exam fees and diagnostics, with up to 90% cash back on covered medical expenses at any licensed vet in the U.S. or Canada. A Preventive Care add-on is optional.
| Accidents, illnesses and hereditary conditions | Listed by ASPCA Pet Health Insurance |
| Behavioral issues and dental disease | Listed by ASPCA Pet Health Insurance |
| Alternative therapies (acupuncture, chiropractic, hydrotherapy) | Listed by ASPCA Pet Health Insurance |
| Exam fees and diagnostics | Listed by ASPCA Pet Health Insurance |
| Up to 90% cash back on covered medical expenses; any licensed vet in US or Canada | Listed by ASPCA Pet Health Insurance |
| Discounts named on the carrier page | 10% multi-pet discount for each additional pet |
| Features stated on the carrier page | Online quote, Mobile app |
| States | Availability: see carrier |
| Who can buy | Open to everyone the carrier serves |
| How you get a quote | Online: "Get a free pet insurance quote today" |
| Provider type | Managing general agent |
ASPCA Pet Health Insurance plans are produced by PTZ Insurance Agency, Ltd and underwritten by Independence American Insurance Company and United States Fire Insurance Company. The site states the ASPCA is not an insurer and receives a royalty fee through a licensing agreement.
Legal entity named on the site: PTZ Insurance Agency, Ltd.
| Checked | Sep 23, 2026 |
| Carrier product page | https://www.aspcapetinsurance.com/ |
| Carrier disclosures | https://www.aspcapetinsurance.com/more-info/state-documents-and-sample-policies/ |
Everything on this page is copied from ASPCA Pet Health Insurance's public website on the date above. Banrox does not set, estimate or adjust insurance prices, and does not verify coverage terms beyond what the carrier publishes.
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Compensation
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Coverage and prices
Coverage descriptions, discounts, state availability and any "starting at" price are shown as published on the carrier's website on the date above and may change without notice. They are not an offer of coverage. Your premium, eligibility and policy terms are set by the carrier.