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Frequently Asked Questions

Illustration of a Frequently Asked Questions
Illustration of a Pet Insurance FAQ

Pet Insurance FAQ

What is ASPCA® Pet Health Insurance?

The ASPCA ® Pet Health Insurance program is Freeway Insurance’s premier pet insurance partner. Pet insurance can help take the uncertainty out of bringing a pet into your family – and your budget. Pet insurance can assist with the financial burden of unexpected medical expenses for your pet and can even help with the cost of routine preventive services.

The ASPCA Pet Health Insurance program is the ASPCA’s strategic partner for pet insurance. The ASPCA is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company.

How do I file a claim?

Filing a claim is simple and can be done online. Once you have visited your vet and paid your bill, submit your paid invoice online. If approved, your reimbursement can either be directly deposited into a checking account or mailed to you.

How quickly will my claim be paid?

Typically, claims are completed in 30 days or less. You’ll receive email notifications as your claim is being processed.

Can I cancel my policy whenever i want?

Yes, you can cancel your policy whenever you want. There is no fee for canceling and you won’t be charged if you cancel. You can cancel your policy online or by speaking with a customer service representative.

Are pre-existing conditions covered?

Pre-existing conditions are not covered; however, this doesn’t mean that your pet cannot be covered for any new conditions or routine preventive care (available for an additional cost).

Is there a deductible on pet insurance?

Yes. You may choose either a $100, $250 or $500 annual deductible. Once you meet your pet’s deductible for the policy year, your pet’s policy will reimburse you based on the reimbursement percentage and annual coverage limit chosen.

There is no deductible on preventative care coverage.

How does the reimbursement percentage work?

When you choose your pet’s coverage, you’ll decide on your reimbursement percentage – 70%, 80% or 90% of covered costs. After you meet your deductible, you’ll receive reimbursement for the chosen percentage of what you paid for your pet’s services. Picking a lower reimbursement amount results in a lower premium. Picking a higher reimbursement percentage means you’ll get more money back on your eligible claims but pay a higher premium.

There is no reimbursement percentage applied to the preventative care coverage. Preventive care reimburses a set amount per service per year and is available for an additional cost.

Are there any discounts?

Yes! Discounts are offered for covering multiple pets – any pet added after the first one will receive a 10% discount of the base premium.

How do I pay my premium?

There are numerous ways you can pay your premium, including choosing the frequency (monthly or annually in full), as well as using a bank account or credit/debit card. You can change these options anytime you like with no penalty.

Can I continue to use my vet?

Absolutely – you may visit any licensed veterinary clinic, emergency clinic, or specialist in the United States or Canada.

Do I have to submit my pet’s medical records?

While medical records are not required at the time of enrollment, they can help to speed up the time it takes to process your pet’s claims. Your pet’s medical records provide claims processors with a better understanding of your pet’s health history.

What if I adopted my pet and don’t have medical records?

If your pet came from a shelter, good for you! We understand that many pets don’t come with their medical history and that’s okay. First, you’ll need to find a vet for your furry friend – ask your friends and family for recommendations! Once you’ve chosen a provider and enrolled in pet insurance, you can visit them for preventive care services as soon as your plan begins; however, there is a 14-day waiting period for coverage of accidents, injuries, and illnesses.

Is there a waiting period?

As is typical for all pet insurers, there is a waiting period before certain coverages begin. There is a 14-day waiting period from your policy’s initial effective date for accidents, injuries, and illnesses. There is no waiting period for preventative coverage, which can be used as soon as your policy is effective.

What is not covered under ASPCA® Pet Health Insurance?

Some items that may not be covered under your pet insurance plan include:

  • Pre-existing conditions
  • Preventive services (if no preventive endorsement is chosen, and any preventive services not covered by a preventive endorsement)
  • Dietary care
  • Grooming
  • Elective and/or cosmetic procedures
  • Breeding costs
  • Experimental and/or holistic treatments

Disclosure from the ASPCA Pet Health Insurance program: *Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, schedules, discounts, and rates 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.