Member Benefit

The ASPCA® Pet Health Insurance program, available through REALTORS® Insurance Place, offers special rates for NAR members.

It's a plan that’s right for you and your pet. There are two plans from which to choose, providing varying levels of coverage for cats and dogs. Both plans provide great, competitive rates. Premium rates depend on the coverage chosen, geographic location, and the species, breed, and age of covered pet(s).

NAR members receive 10% off the base rate of the policy premium for one insured pet and an additional discount for two or more pets.

Plans Available

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Complete CoverageSM

This plan offers robust coverage which is easy to customize for a fit that suits your pet’s needs and feels right for your budget. Choose from various levels of annual deductible, reimbursement percentage, and annual limit.

What’s covered:

  • Accidents
  • Dental disease
  • Behavioral issues
  • Illnesses
  • Hereditary conditions
  • Chronic conditions
  • Alternative therapies
  • And more

You can also add preventive care at a low additional cost to cover things that help keep your pet healthy.

As an added service to your coverage, this plan includes free 24/7 helpline support for pet health, behavior, and wellness questions answered by veterinary experts.

Accident Only

This plan reimburses actual costs for covered expenses related to the diagnosis and treatment of injuries resulting from an accident, up to your annual limit.

  • Poison control consultation
  • Surgery and hospitalization
  • IV fluids and medication
  • Alternative therapies
  • MRI or CT scans and X-rays
  • Prescription medications
  • Stem cell therapy
  • And more

You can also add preventive care (see below) at a low additional cost to cover things that help keep your pet healthy.

Optional Preventive Care

Preventive Care — Prime

An add-on plan which can be added to your base plan. It includes coverage for a broad range of tests, exams, and vaccinations, and health certificate.

Preventive Care – Basic

An add-on plan which can be added to your base plan. It includes coverage for various tests, exams, and vaccinations.

How to Get This Offer

Get started online or by phone:

How these plans work: Visit the vet, specialist, or emergency clinic of your choice and pay your bill. Submit claims online, by mail, fax, or through the ASPCA® Pet Health Insurance app. Reimbursements will be mailed or directly deposited into your bank account.


ASPCA® Pet Health Insurance is available to NAR members and REALTOR® Association staff with a Member ID in all states and the District of Columbia, subject to the approved product in each state, with the exception of Guam, Puerto Rico, and the U.S. Virgin Islands. Note: discounts on this product offering are not available to residents of Hawaii and Tennessee, due to internal state regulations which disallow insurance rate reductions for members of associations.

If you don’t know your Member ID number you may look it up here.

To be eligible for coverage, pet(s) must be a cat or dog and over 8 weeks of age.

Visit the ASPCA® Pet Health Insurance website for complete plan details, exclusions, and restrictions.

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About Crum & Forster Pet Insurance Group

The insurance provider for ASPCA® Pet Health Insurance program is Crum & Forster Pet Insurance Group™. Since 2006, they’ve been the only strategic partner for pet insurance with the ASPCA®, and they make sure their coverage is in line with the ASPCA’s humane standards. Founded in 1997, they’re one of the most experienced and established pet insurance providers in the United States and one of the founding members of the North American Pet Health Insurance Association (NAPHIA).

C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated "A" (Excellent) by A.M. Best Company.

About REALTORS® Insurance Place

ASPCA® Pet Health Insurance is available through REALTORS® Insurance Place. It features a robust selection of health insurance and wellness products available to NAR members, including Major Medical health insurance plans, supplemental health plans, REALTORS® Dental Insurance, REALTOR® Vision Insurance, and more. Shop, quote, and enroll in minutes. Licensed benefits specialists are available to answer questions and help members enroll in plans. Consultative services are complimentary.

Have your 9-digit Member ID number handy. If you do not know your Member ID number, you may look it up here.

About SASid

Smart And Simple Insurance Development (SASid) is the administrator and developer of REALTORS® Insurance Place. SASid is the long-term and trusted partner responsible for creating and managing NAR’s health insurance and wellness products, including the private Members Health Insurance Exchange, the Members Medicare Exchange, REALTORS® Dental Insurance, REALTORS® Vision Insurance, Members Telehealth, REALTORS® Core Health, Accident Deductible Protection, and more.

SASid has been a leader and innovator in developing and marketing insurance on the web since 1999, developing technologies and online insurance products for top insurance carriers and nationwide distribution networks. SASid is located in Janesville, Wisconsin.

Program availability and eligibility requirements may vary by partner program. See partner websites for details, terms and conditions.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply.

For all terms and conditions visit Products, rates and discounts may vary and are subject to change. By purchasing ASPCA® Pet Health Insurance NAR members will not be joining, or be required to join, the ASPCA. The ASPCA® is not an insurer and is not engaged in the business of insurance. Pet insurance products are underwritten by the United States Fire Insurance Company and administered by C&F Insurance Agency, Inc. (NPN#3974227), a Crum & Forster company. 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.