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Pet Insurance Comparison: What You Need to Know Before You Buy

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Pet insurance can help you afford quality veterinary care and avoid a tough financial decision about your pet’s health. But which provider is right for you? Here are 5 questions to ask any provider as you compare pet insurance plans.

1. How much does the plan cost?

A pet insurance plan needs to give you the right amount of coverage—and be affordable for your 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 you need to raise your deductible a significant amount just to afford it? Even with our lower premiums, only about 0.5% of our customers hit their plan’s incident limit.+
Get a quote now to see rates available for your pet.

2. What will affect your reimbursements?

ASPCA Pet Health Insurance plans reimburse up to 90% of eligible charges from your actual veterinary bill. Our reimbursements aren’t limited by a benefit schedule that restricts payouts to a fixed amount per diagnosis. We also don’t exclude your veterinarian’s exam fee. Since more than 60% of claims include this fee, this can have a big impact on your payouts.** Finally, we don’t require a per incident deductible that reduces your reimbursement for every single injury or illness. We have a low $100 annual deductible that you only need to meet once per plan year, no matter how many incidents occur.

3. Is wellness coverage available?

The ASPCA® recommends pet parents follow preventive care guidelines as part of its Criteria for Responsible Care. Since this care is so important to keep pets healthy, ASPCA Pet Health Insurance has two options for wellness care you can add to any plan. For little additional cost, you can cover your pet for spay/neuter surgery, an annual dental cleaning, an annual exam, flea and heartworm medication and several vaccines and tests.

4. How much experience does the provider 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).

5. What do pet health insurers ask you and your veterinarian 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 to the pet insurance company for reimbursement. But there are some key differences in this process. 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.

Find the plan that’s right for you.

* For a mixed breed dog under age 1 in zip 10128, compared to similar plans from 9 US providers, Oct. 2013
+Internal claims data, Feb. 2014
**Internal claims data, Aug. 2010-July 2011