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Pet Insurance Glossary

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The American Society for the Prevention of Cruelty to Animals® (ASPCA®) was founded in 1866 as the first humane organization in the Western Hemisphere, according to ASPCA.org. As a leading voice for animal welfare, the ASPCA’s mission is “to provide effective means for the prevention of cruelty to animals throughout the United States.” As part of this mission, the ASPCA chose Hartville Pet Insurance Group as its strategic partner for pet insurance. Hartville’s ASPCA Pet Health Insurance program helps pet parents afford quality veterinary care.   Top
Benefit Limits
To keep premiums lower, most types of insurance have limits on available coverage.  Explore our coverage for an overview of our benefit limits.Top
Benefit Schedule
A benefit schedule is a list that sets a fixed reimbursement amount based on a diagnosis. Since it’s based on the diagnosis, a benefit schedule may not take into account all of the treatments your veterinarian actually performs. ASPCA Pet Health Insurance plans reimburse 90% of usual and customary covered charges, rather than using a benefit schedule. This allows us to consider all of the services your pet needs in calculating reimbursements.   Top
Billing Frequency
This is the number of times you pay your premium over a plan year. With our plans, you can pay monthly, quarterly, semi-annually or annually. If you pay annually, we’ll waive the low installment fee.Top
After your pet receives treatment, you submit a claim to be reimbursed for covered services. To submit a claim, just fill out our simple 1-page claim form then fax, email, or mail it to us with your receipts. Your veterinarian does not need to sign the claim form. Our customers also can easily track the status of claims online at our free Member Center.Top
Continuing Care
Continuing Care is extra protection for ongoing conditions, which are conditions that need care across multiple plan periods. Explore our coverage to learn more. Top
A deductible is the amount you’re responsible for meeting before reimbursement begins. ASPCA Pet Health Insurance has a low $100 annual deductible per pet that only needs to be met once per plan year, no matter how many incidents occur. In contrast, per incident deductibles require you to pay a new deductible for every single injury or illness, which can really add up. We also have other annual deductible options you can choose if that works better for you. Top
Effective Date
Your plan’s effective date is the day your pet’s coverage begins. With our pet insurance, accident and wellness coverage, if selected, begin on your effective date. Illness coverage starts 30 days after your effective date, and hereditary and congenital coverage, if available, begins 180 days after your effective date. Your plan will list your effective dates. Top
Member Center
Our Member Center is a free online resource where our customers can easily track the status of their claims, edit contact and payment information, view billing details, and see pet and plan information. If you’re a customer, sign up for the Member Center now. Top
Ongoing Condition
Ongoing conditions are conditions that need care across multiple plan periods. Our Continuing Care coverage is extra protection for ongoing conditions for those pets who qualify.  Explore our coverage to learn more. Top
Per Incident Limit
Your plan’s per incident limit is the maximum amount you’ll be reimbursed for a single accident or illness. Explore our coverage for an overview of our benefit limits. Top
Pet Health Library
The Pet Health Library contains useful articles about pet health and safety brought to you by the ASPCA. Browse our Pet Health Library now.Top
Pet Insurance
Pet insurance helps you afford your veterinary bills so you can give your pet the best care possible and avoid a tough financial decision about your pet’s health. With our pet insurance plans, you can cover your dog or cat for accidents, illnesses, and wellness care.  Explore our coverage to see the options and rates available for your pet. Top
Pre-existing Condition
Pre-existing conditions are illnesses or injuries that are present prior to a plan's effective date or during a waiting period. A condition may be pre-existing if your pet showed symptoms of the condition, even if it was not diagnosed or treated, before your plan’s effective date. Like all pet insurance providers, we don’t cover pre-existing conditions. Top
Your premium is the amount you’ll be charged for your pet insurance coverage. See the premium rates and coverage options available for your pet by starting a free quote now. Top
Your reimbursement is the amount of money we pay you for an eligible claim. Our pet insurance reimburses 90% of usual and customary covered charges. Call us to hear about other co-insurance options to customize your plan. Top
Usual and Customary Covered Costs
To keep our premiums lower, we reimburse 90% of usual and customary covered charges. These are veterinary costs covered by your plan and considered typical in areas similar to yours. We use available industry and proprietary data to determine usual and customary costs.  Top
Waiting Period
A waiting period is the amount of time you may have to wait before a certain type of coverage starts. With our pet insurance, accident and wellness coverage, if selected, begins as soon as your plan takes effect. Illness coverage has a 30-day waiting period in most states, and coverage for hereditary and congenital conditions, if available, has a 180-day waiting period.  Top
Wellness Care
Routine preventive treatments, like vaccinations, annual check-ups, and dental cleanings, are very important to keep your pet happy and healthy. We’re committed to helping pet parents provide these treatments for their pets, so we have two options for wellness care that you can add to any plan for a low cost. Our least expensive option covers standard vaccines, spaying or neutering, and a yearly exam among other routine treatments. Our second option adds coverage for additional vaccines, an annual dental cleaning and more. Explore our coverage to view the wellness options. Top