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How to Choose a Pet Insurance Provider for Your Clients
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 clients?
These 5 questions can help you evaluate the options and offer the best fit in your portfolio of products. If you’d like to learn more, register online today!
1. How much does the plan cost?
A pet insurance plan needs to give clients the right amount of coverage—and be
affordable for their budget. Our entry level accident and illness plan on
average costs 34% less than similar plans offered by other providers, and 60%
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 clients need
to raise their deductible a significant amount just to afford it? Even with our
lower premiums, fewer than 2% of our customers hit their plan’s incident limit
2. What will affect your clients’ 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 clients’ 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.
3. Is wellness coverage available?
Wellness care is an important way help pets live a long and happy life. That’s
why we have two options for wellness care. 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.
4. What do insurers ask pet parents and their 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 to
the pet insurance company for reimbursement. But there are some key differences
in this process. ASPCA Pet Health Insurance does not require a diagnosis for
reimbursements. That can have a big impact in cases with a hard-to-pinpoint
cause. 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.
5. How much experience does the company have?
The Hartville Group, one of the oldest and largest pet insurance providers
in the US, provides ASPCA Pet Health Insurance through its licensed agency. 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 (2012).