Largo Veterinary Hospital stands behind the dedicated professionals at ASPCA Pet Health Insurance to answer any pet health insurance related questions you may have.
Pet Insurance Basics
ASPCA offers three types of plans: Accident only, Accident + Illness, and an add-on preventative care plan.
Get a free quote to see your options.
Accidents
Accident coverage will take care of costs for injuries and emergencies related to accidents, like torn ligaments, bite wounds, cuts, broken bones, lodged foreign objects, and toxic ingestions.
Illnesses
With illness coverage, you’ll be reimbursed for the costs of major and minor illnesses, such as cancer, arthritis, allergies, hypothyroidism, digestive problems, and UTIs.
Hereditary and Congenital Conditions
This coverage is for the costs of inherited conditions and birth defects that don’t show symptoms until later in your pet’s life, like heart disease, IVDD, eye disorders, and hip dysplasia.
Alternative Therapies
There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. CompleteCoverage can reimburse you for alternative therapies your pet might need to treat a covered condition.
Behavioral Issues
This coverage can help with the costs of veterinary visits for concerning behaviors that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of the home.
Chronic Conditions
These are conditions that need care across multiple plan periods, such as allergies, diabetes, and cancer.
Prescription Medication, Food, and Supplements
You can get reiumbursed to for these products when your veterinarian prescribes them for a covered condition.
What's Not Covered
Like all pet insurance providers, ASPCA has exclusions.
Pre-existing Conditions
These are conditions that occur before coverage begins or during a waiting period. With our plans, this doesn’t mean the condition can’t be covered in the future. An injury or illness that is cured and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing.
Cosmetic Procedures
Plans do not cover elective procedures, such as tail docking, ear cropping, and claw removal.
Breeding Costs
Plans do not cover costs associated with breeding or pregnancy.
Preventive Care
Coverage for preventive care, like annual wellness exams, vaccines, and screenings, is not included in accident and illness coverage. You can add preventive care coverage for a little more per month after you select your base plan.