How do employees benefit?
Reimbursement of up to 90% of covered veterinary bills.
Choice of ANY licensed veterinarian in the US or Canada.
Easy claim filing and online tracking.
Continued coverage even if they change jobs
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!
1. 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 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 employees
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 in 2010.+
2. 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
3. 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. 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 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 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).