ASPCA Pet Health Insurance is the one that covers exam fees, which show up on almost every vet visit and which most insurers skip. If your pet has a curable pre-existing condition, after 180 days free of symptoms and treatment they treat it like a new condition, where many insurers either never do or wait a full year. They also cover more animal types than most, horses included.
Pros
- Exam fees covered
- Curable pre-existing conditions can reset after 180 days
- Covers more animal types, including horses
- Strong, long-known brand
The honest cons
- Claims can run slower than the digital-first companies, sometimes up to a month
- Premiums can run higher than the newer app-based insurers
Good fit for
Owners who visit the vet often and want exam fees covered, or who have a pet with a curable condition that other insurers would exclude forever.
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Real bills from real dogs
We don’t sell insurance and we don’t take a word of your information. But we know what a surprise vet bill feels like. Max ate a chicken bone out of the trash: $4,800. Rocco swallowed a stone: $12,000 with the checkups. Velvet broke her front leg in her own backyard: $8,400. All three dogs lived to tell it, and we paid all three bills out of pocket.