How to File a ASPCA
Pet Insurance Claim

📋 How to File a ASPCA Claim

1. Log in at aspcapetinsurance.com or use the ASPCA mobile app
2. Submit your claim with an itemized invoice and medical records
3. Claims must be filed within 180 days of treatment
4. ASPCA processes claims within 7 to 14 business days
5. Reimbursement by check or direct deposit up to 90% of covered costs

⚠️ Common Reasons ASPCA Denies Claims

• Pre-existing conditions
• Knee and ligament conditions have only a 14-day waiting period, much shorter than most competitors
• Treatments during the 14-day waiting period
• Dental illness without add-on
• Elective procedures and cosmetic treatments

💡 Tips for a Successful ASPCA Claim

• ASPCA covers up to 90% of covered conditions for emergency visits, chronic conditions, alternative therapies, and prescription medications
• Knee and ligament waiting period is only 14 days, much better than the industry standard 6 months
• Two optional Preventive Care plans are available for routine care reimbursement
• ASPCA covers alternative therapies like acupuncture and chiropractic care
• Submit online for fastest processing