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686                <h1>Top 5 ASPCA Pet Insurance Advantages</h1>
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688
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691<li>
692<h2 class="heading--sm">Get reimbursed up to 90% of covered veterinary charges.</h2>
693<p>Our reimbursements are based on your actual veterinary bill. They aren’t limited by a benefit schedule, which pays a fixed amount per diagnosis, regardless of the treatments your pet needs. We also don’t exclude your veterinarian’s exam fee. <sup></sup></p>
694</li>
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696<h2 class="heading--sm">Enjoy a 30-day money-back guarantee.<sup class="disclaimer-asterisk"><a href="#standard-disclaimer">*</a></sup></h2>
697<p>We want you to be totally comfortable with our pet insurance, so we have a 30-day money-back guarantee as long as no claims are covered. This way, you can take some time to make sure our pet insurance is right for you while your pet is protected.</p>
698</li>
699<li>
700<h2 class="heading--sm">Choose from our preventive care options.</h2>
701<p>We're committed to pet health, which is why we offer reimbursement on some of the services that keep your pet healthy, such as vaccines, spaying or neutering, a yearly exam, an annual dental cleaning, flea and heartworm medication, and more.</p>
702</li>
703<li>
704<h2 class="heading--sm">Save 10% by insuring multiple pets.<sup><a href="#plusplus">++</a></sup></h2>
705<p>You can save 10% when you protect more than one pet with our pet insurance. Just start a free quote by telling us about your first pet, then add your next pet. Discounts will be applied automatically. If you're an existing customer, you can add a pet online in the <a href="https://www.aspcapetinsurance.com/portal/#/login" target="_blank" data-anchor="#/login" rel="noopener" aria-describedby="newWindowMC">Member Center</a>.</p>
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708<h2 class="heading--sm">Avoid per incident deductibles.</h2>
709<p>We have an annual deductible, which only needs to be met once a year per pet, no matter how many incidents occur. In contrast, per incident deductibles require you to pay a new deductible for every single injury or illness, which can really add up. You can also customize your annual deductible or reimbursement percentage options to fit your budget.</p>
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715<p>It’s quick and easy to find out how much it would cost to help protect your pet with our pet insurance. Plus, you can enroll online in a snap when you're done – or save your quote and enroll later on. <a href="/free-quote">Start your free quote</a> now!</p>
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819<li><a onclick="event.preventDefault();Osano.cm.showDoNotSell()" href="#" role="button" aria-label="Open privacy preferences to manage your personal information settings with Osano.">Do Not Sell or Share My Personal Information</a></li>
820<li><a href="/more-info/licensing/">Licensing</a></li>
821<li><a href="/more-info/web-accessibility/">Web Accessibility</a></li>
822<li><a href="/more-info/mobile-tcs/">Mobile T&amp;Cs</a></li>
823<li><a href="/more-info/site-map/">Site Map</a></li>
824</ul>
825</div>
826</div>
827<div class="footer-quote">
828<form onsubmit="validatePetName(event, '-footer')" action="/quote/">
829    <h2 class="footer_headingQuote">Get a free quote to cover your four-legged family.</h2>
830    <div id="errorList-footer" class="error_summary error_summary--fixed-width" style="display: none;" aria-live="assertive">
831        <h3 id="errorHeader-footer" tabindex="-1" class="error_heading text-left">Error: please correct the following issues</h3>
832        <ul class="error_list">
833            <li id="petNameEmptyErr-footer" class="error_item">Pet's name cannot be blank.</li>
834            <li id="petNameErr-footer" class="error_item">Pet's name must only be letters and numbers.</li>
835        </ul>
836    </div>
837    <div class="footer_quoteWrapper">
838        <label class="sr-only" for="petName-footer">Your Pet's Name</label>
839        <input id="petName-footer" name="petName" type="text" placeholder="Your Pet's Name" aria-describedby="petNameEmptyErr-footer petN
839ameErr-footer" aria-required="true"> 
840        <button type="submit">Go!</button>
841    </div>
842</form><!-- Return to Quote -->
843<div id="footerRTQ" class="footer_rtq displayNone">
844    <h2 class="footer_headingQuote">Enroll Your Pet Today!</h2>
845    <a href="/quote/" class="btn_secondary"><span id="writePetNameFooterRTQ">Quote</span></a>
846</div>
847<hr class="hidden-sm">
848<div>
849<h2 id="getSocial-footer" class="footer_heading">Get Social With Us</h2>
850<ul aria-labelledby="getSocial-footer">
851<li><a target="_blank" href="https://www.facebook.com/ASPCAPetInsurance" rel="noopener noreferrer" aria-describedby="newWindowFooterDesc"><img alt="Facebook" src="https://d3544la1u8djza.cloudfront.net/APHI/socialIcons/footerSocial/Facebook.svg" width="30" height="30"></a></li>
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853<li><a href="https://twitter.com/ASPCAPetIns" target="_blank" rel="noopener" aria-describedby="newWindowFooterDesc"><img src="https://d3544la1u8djza.cloudfront.net/APHI/socialIcons/footerSocial/twitter.svg" alt="Twitter" width="30" height="30"></a></li>
854<li><a target="_blank" href="https://pinterest.com/aspcapetins/" rel="noopener" aria-describedby="newWindowFooterDesc"><img src="https://d3544la1u8djza.cloudfront.net/APHI/socialIcons/footerSocial/pinterest.svg" alt="Pinterest" width="30" height="30"></a></li>
855</ul>
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860<div class="mobile-footer visible-xs visible-sm">
861<div class="container">
862<div>
863<ul>
864<li class="col-xs-6"><a href="/pet-insurance-plan/">Pet Insurance</a></li>
865<li class="col-xs-6"><a href="/quote/">Get a Quote</a></li>
866<li class="col-xs-6"><a href="/research-and-compare/">Research &amp; Compare</a></li>
867<li class="col-xs-6"><a href="/about-us/who-we-are/">About Us</a></li>
868<li class="col-xs-6"><a href="/veterinarians/">Veterinarians</a></li>
869<li class="col-xs-6"><a href="/groups/">Groups</a></li>
870<li class="col-xs-6"><a href="/portal/">Customer Login</a></li>
871<li class="col-xs-6"><a href="/app/">My Pet Insurance App</a></li>
872<li class="col-xs-6"><a href="/more-info/web-accessibility/">Web Accessibility</a></li>
873<li class="col-xs-6"><a href="/more-info/site-map/">Site Map</a></li>
874</ul>
875</div>
876</div>
877</div>
878</div>
879<p class="sr-only" id="newWindowFooterDesc">(opens new window)</p>
880                    <div class="bootstrap footerBottom">
881                        <div class="container">
882                            <p><p id="standard-disclaimer">* We offer a 30-day money back guarantee if no covered claims have been filed. Not available in NY and varies in ME, LA, and WA.</p>
883<p id="plusplus">++ Discount applies to base plan premium</p></p>
884                            
885<p><a href="/more-info/notice-to-california-residents/" class="underline">Notice to California Residents</a></p>
886<p><a href="/more-info/state-documents-and-sample-policies/" class="underline">Insurer Disclosure of Important Policy Provisions</a></p>
887<p><a href="/more-info/state-documents-and-sample-policies/" class="underline">Waiting Period Health Assessment</a></p>
888<p><a href="/more-info/state-documents-and-sample-policies/" class="underline">Waiting Period Health Assessment (Horses)</a></p>
889<p id="standard-disclaimer">Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit <a href="/more-info/state-documents-and-sample-policies/" title="State Documents and Sample Policies" target="_blank" rel="noopener">https://www.aspcapetinsurance.com/more-info/state-documents-and-sample-policies/</a>. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, discounts vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.</p>
890<p>Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581), or United States Fire Insurance Company (NAIC #21113); please refer to your policy forms to determine the underwriter for your policy. All policies are produced by PTZ Insurance Agency, Ltd, domiciled in Illinois with corporate office
890s at Scottsdale, AZ (NPN: 5328528) and PTZ Insurance Agency, Ltd, d.b.a. PIA Insurance Agency in California (CA #0E36937).</p>
891<p>The ASPCA® is not an insurer and is not engaged in the business of insurance. 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.</p>
892<p>© Copyright 2026, PTZ Insurance Agency, Ltd. ASPCA Logo, © Copyright 2026, ASPCA. All Rights Reserved</p>
893
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