How Do Different Limits Work?

Pet insurance plans can have different types of limits, so it's important to know how they may affect your reimbursements.

All ASPCA Pet Health Insurance plans have an incident limit that increases by the plan level you choose. Level 3, for example, has a $5,000 incident limit. That means you'll be reimbursed for covered treatments up to $5,000 for each accident and illness. There's no limit to the number of accidents or illnesses that can be covered in a year.

If there's a maximum payout cap on the total reimbursement allowed for a year, it could limit the number of conditions that may be covered. Many of our customers who file a claim experience three or more incidents in a year,+ so this can make a big difference.

Here’s an example: Lakita is an 11-year-old Siberian Husky dog who suffered a few illnesses in one year.


  ASPCA Pet Health Insurance
Incident Limits
Embrace Pet Insurance
Limit to Total Annual Payouts
Plan: Level 3 Plan: Custom
Deductible Option Required for Comparable Plan Cost $5,000 Incident Limit $5,000 Annual Limit
Condition Illness 1 Illness 2 Illness 3 Illness 1 Illness 2 Illness 3
Total Treatment costs $7,781 $3,741 $6,066 $7,780 $3,741 $6,066
Deductible $100
per year
$0 $0 $100
per year
$0 $0
Potential payout*
$5,000 $2,634 $4,091
based on 90% of usual and customary
covered costs, up to $5,000 per incident
$5,000 0 0
based on 90% of vet bill,
up to $5,000 per year
Total Potential Payout for 3 Illnesses $11,725 $5,000

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* Potential reimbursements shown are calculated as if they occurred to the same 11-year-old Siberian Husky dog. Calculations based on actual ASPCA Pet Health Insurance claims received for this pet and on publicly available policy information as of 4/21/14. Coverage and reimbursement for these types of claims are not to be inferred but is determined in reference to a particular insurance plan, as well as the fact and circumstance of each claim.

+Internal claims data, Jan. 2010-Dec. 2012

Comparison information is provided using publicly available information as of 10/28/13 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@hartvillegroup.com or mailing Marketing Department 3840 Greentree Avenue SW, Canton, Ohio 44706.