How to Choose a Pet Insurance Provider for Your Benefits Program
Pet insurance is growing in popularity. More people are asking about it. And in tough economic times, more pet parents need it to be able to afford quality veterinary care. But what’s right for your employees?
These 5 questions can help you evaluate the options and offer the best fit in your voluntary benefits program. If you’d like to learn more, register online today!
How much does the plan cost?
A pet insurance plan needs to give employees the right amount of coverage—and be affordable for their budget. Our entry level accident and illness plan on average costs more than 30% less than similar plans offered by other providers, and 65% less than the most expensive of these plans.+ If you hear promises of really high payouts elsewhere, look closely at the cost of the plan. Will employees need to raise their deductible a significant amount just to afford it? Even with our lower premiums, only about 0.5% of our customers even hit their plan’s incident limit.++
What will affect your employees’ reimbursements?
ASPCA Pet Health Insurance plans reimburse up to 90% of eligible charges from the actual veterinary bill. Our reimbursements aren’t limited by a benefit schedule, which pays a fixed amount per diagnosis regardless of the treatments pets need. We also don’t exclude veterinarians’ exam fees. Since more than 60% of claims include this fee, this can have a big impact on your employees’ payouts.+++ Finally, we don’t require a per incident deductible that would reduce the reimbursement for every single injury or illness. We have a low $100 annual deductible that only needs to be meet once per plan year, no matter how many incidents occur.
Is wellness coverage available?
Wellness care is an important way to help pets live a long and happy life. That’s why we have two options for wellness care customers can add to any plan. For little additional cost, pet parents can cover their pets for annual exams, spay/neuter, many vaccines and tests, an annual dental cleaning and flea and heartworm medication.
What do insurers ask pet parents and veterinarians to do?
With pet insurance, pet parents visit any licensed veterinarian to treat their pet, then they pay the veterinarian at the time of service and submit a claim for reimbursement. ASPCA Pet Health Insurance customers can file claims as soon as they’ve been billed—at any point in the treatment process. Also, we don’t ask the veterinarian to sign or fill out any portion of our claim form, so customers don’t have to worry about bringing along forms or making a special trip.
How much experience does the company have?
Hartville Pet Insurance Group, one of the oldest and largest pet insurance providers in the US, provides ASPCA Pet Health Insurance. We have the experience and resources necessary to give you the best balance between coverage and cost. Plus, Hartville is the only strategic partner for pet insurance of the American Society for the Prevention of Cruelty to Animals® (ASPCA®), and it has an A+ rating with the Better Business Bureau (2014).