What ASPCA Pet Health Insurance does

ASPCA Pet Health Insurance is a U.S. pet health insurance provider that offers accident, illness, preventive, and equine coverage for dogs, cats, and horses. The company operates as a strategic licensing partner of the ASPCA since 2006, underwriting products through Independence American Insurance Company and United States Fire Insurance Company, with policies produced and administered by PTZ Insurance Agency, Ltd under Independence Pet Group. Its technology stack is a cloud-based insurance platform comprising a web-based online quote engine, a digital claims processing system, and the My Pet Insurance mobile application (iOS and Android) that supports pre-visit claim submission, direct deposit reimbursement, and 24/7 telehealth access.

The core product portfolio centers on Complete Coverage (up to 90% reimbursement across accidents, illnesses, hereditary conditions, dental disease, behavioral issues, and alternative therapies), with Accident-Only Coverage and an optional Preventive Care add-on as a price ladder, plus specialized Horse Insurance. Coverage is customizable through deductible ($100-$500), reimbursement percentage (70-90%), and annual limit tiers, with a 10% multi-pet discount and a 30-day money-back guarantee. Premiums average $34-$107 per month depending on pet age, breed, species, and geography.

The business model is multi-channel subscription-based: direct-to-consumer through the website and mobile app, employer voluntary benefit programs, association partnerships, insurance brokers, and veterinary clinic referrals. Group discounts up to 20% (combined group plus multi-pet) and a $25 Amazon gift card promotional incentive support acquisition. The company employs 101-250 staff, operates in the US and Canada, and restricts enrollment in eight states (AK, GA, KY, MD, NE, ND, TX, VA). It is privately held, with no venture capital or private equity investment identified in available data.

Name

ASPCA Pet Health Insurance

Legal name

PTZ Insurance Agency, Ltd

Website

https://aspcapetinsurance.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

ASPCA Pet Health Insurance is a U.S. pet health insurance provider offering accident, illness, preventive, and equine coverage for dogs, cats, and horses through direct-to-consumer, employer voluntary benefit, association, broker, and veterinary referral channels under a licensing partnership with the ASPCA since 2006.

Ownership category

akta.pro rank

Product category

Pet Health Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industries

Worksite Pet Insurance (FSAIAMAL), Accident & Supplemental (Non-Life) Insurance (FSAJAKAA)

Keywords

• Pet health insurance
• Veterinary expense coverage
• Accident illness plans
• Pet wellness add-ons
• Voluntary benefits

Headquarters

HQ city

Akron

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Pet Insurance Premiums: Subscription-based pet insurance premiums charged monthly to policyholders. Premiums are based on coverage chosen, pet's breed, species, and age, and owner's zip code. Customizable through deductible ($100, $250, $500), reimbursement percentage (70%, 80%, 90%), and annual limits ($3,000+).
2. Group/Employer Benefits: Voluntary benefit programs offered to employers, associations, and brokers with group discounts up to 20% (10% group discount plus 10% multi-pet discount).

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

ASPCA Pet Health Insurance sells pet health insurance policies for dogs, cats, and horses, including a flagship Complete Coverage plan that reimburses up to 90% of covered veterinary expenses for accidents, illnesses, hereditary conditions, behavioral issues, dental disease, and alternative therapies. Plans are customizable across deductible, reimbursement percentage, and annual limit, with optional preventive care add-ons and a mobile app for claims and account management.

Product overview

ASPCA Pet Health Insurance offers a portfolio of pet insurance products designed for pet owners seeking financial protection for veterinary expenses. The core product lineup consists of Complete CoverageSM as the flagship comprehensive plan covering accidents, illnesses, hereditary conditions, behavioral issues, dental disease, and alternative therapies; Accident-Only Coverage as a budget-focused option for emergency injuries; and Preventive Care Coverage as an add-on for routine wellness services. The company also provides specialized Horse Insurance with colic and accident coverage. Beyond individual policies, ASPCA Pet Health Insurance offers Voluntary Group Benefit Plans for employers, associations, and brokers seeking to add pet insurance as an employee or member benefit, featuring group discounts up to 20%. A mobile application (My Pet Insurance App) enables policyholders to manage accounts, submit claims, and access telehealth services. The company operates as a strategic partner of the ASPCA since 2006, with insurance underwritten by Independence American Insurance Company or United States Fire Insurance Company.

Differentiator

Problem solved

Functional benefit

Products and services

• Complete CoverageSM

Quantifiable outcome

• Up to 90% reimbursement on covered veterinary expenses
• +5 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Milwaukee BucksminorGTM or Marketing Partner · 7 April 2026ASPCA Pet Health Insurance partnered with the Milwaukee Bucks NBA team as the official pet health insurance partner, providing visibility at games and events.
• ASPCA (American Society for the Prevention of Cruelty to Animals)coreStrategic or Co-development Partner · 1 January 2006Strategic partnership since 2006 providing licensed use of ASPCA brand and marks. The ASPCA is not an insurer but receives royalty fees through a licensing agreement. This partnership provides brand recognition, credibility, and alignment with animal welfare mission.
• Independence American Insurance CompanycoreOthersInsurance products underwritten by Independence American Insurance Company (NAIC #26581), a Delaware insurance company located in Scottsdale, AZ.
• United States Fire Insurance CompanycoreOthersInsurance products underwritten by United States Fire Insurance Company (NAIC #21113), Morristown, NJ.
• PTZ Insurance Agency, LtdcoreOthersAll policies are produced by PTZ Insurance Agency, Ltd, domiciled in Illinois with corporate offices in Scottsdale, AZ (NPN: 5328528). Known as PIA Insurance Agency in California (CA #0E36937).
• TremendousminorOthersThird-party vendor fulfilling Amazon gift card promotions for new policyholders.
• Veterinary Clinics and HospitalscoreChannel Partner/ Reseller/ DistributorNetwork of veterinary clinics promoting ASPCA Pet Health Insurance through clinic finder, free trial brochures, staff discounts, and educational materials. Includes partnerships with veterinary organizations and hospitals across the US.
• Fear FreeminorOthersProud partner listed on veterinary resources portal, supporting fear-free handling practices in veterinary clinics.
• Midwest Veterinary SupplyminorOthersVeterinary supply company partnership for product distribution and clinic resources.

Scale indicators4 records

Recent moves5 records

Expansion highlights7 records

Direct peers

• Pets Best Pet Insurance: Veterinary-founded pet insurance carrier offering accident, illness, and wellness plans with similar customization options and direct-to-consumer underwriting. A long-established US pet insurance carrier co-marketed with major veterinary networks, comparable in plan flexibility and employer channel.
• Spot Pet Insurance: Digital-first pet insurance provider offering accident-only and accident/illness plans with direct-to-consumer distribution. A direct competitor frequently co-listed with ASPCA Pet Health Insurance in third-party buyer-guide rankings (e.g., Kentucky roundup).
• Trupanion: Direct-to-consumer pet medical insurance provider serving dogs and cats in North America with subscription premiums and 90% reimbursement. Public competitor (NASDAQ: TRUP) operating at meaningful scale, making it the most direct comparable to ASPCA Pet Health Insurance in product design and channel strategy.
• Figo Pet Insurance: Tech-forward pet insurance carrier offering 100%/90%/80%/70% reimbursement tiers and a mobile app claims experience. Comparable on customizable product structure and is co-listed with ASPCA Pet Health Insurance in third-party market guides.
• Healthy Paws Pet Insurance: Direct-to-consumer pet insurance carrier emphasizing unlimited lifetime benefits and high reimbursement. Comparable on North American distribution, accident/illness product design, and online quote/claim workflow.
• Embrace Pet Insurance: US pet insurance carrier offering accident/illness plans with customizable deductibles, reimbursement percentages, and wellness add-ons. Directly comparable on product structure, online distribution model, and use of ASPCA-style veterinary endorsement partnerships.

Emerging players

• Lemonade Pet Insurance: Pet insurance launched by Lemonade as a vertical extension of its digitally-native insurance platform. An emerging challenger leveraging app-first UX, AI-driven claims, and aggressive digital marketing to attack the same pet-owner segment.
• Pumpkin Pet Insurance: Pumpkin offers pet insurance with preventive care add-ons and direct-to-consumer distribution. Comparable niche positioning in accident/illness plus wellness bundles targeting digitally-engaged pet parents.

Broad incumbents

• Nationwide Pet Insurance: One of the largest US pet insurance providers and a legacy wholesaler in the category, also a workplace/voluntary benefit distributor. Comparable on broad product breadth and employer/association channel presence; a broader incumbent competing across multiple price tiers.
• MetLife Pet Insurance: Pet insurance offering from MetLife covering accidents, illness, and wellness. A broad incumbent leveraging an established insurance brand, frequently ranked alongside ASPCA Pet Health Insurance in state buyer-guides (Wisconsin).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ASPCAPetIns
• Facebookfacebook.com/ASPCAPetInsurance
• Instagraminstagram.com/aspcapetinsurance
• Pinterestpinterest.com/aspcapetins

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ASPCA Pet Health Insurance