A Pet Parent Asks:
Do I pay a deductible for each visit? How much?

ASPCA Pet Health Insurance Answers:
All of our plans have a low $100 annual deductible that only needs to be met once a year per pet.

We apply the first $100 of your eligible claims towards your deductible. After that, you’ll be reimbursed for 80% of usual and customary covered charges.

Another important note: If your plan includes wellness care, those costs apply toward your deductible as well!

Have more questions? Call us at 1-866-204-6764.

Pet Parent Q&A is a regular column that answers customer questions in an effort to educate others. This is not a forum to receive responses to specific inquiries. Please call Customer Service at 1-866-204-6764 or email cservice@aspcapetinsurance.com for immediate assistance.

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Hartville Group News & Info

Pet Blog - Cat Photo

Submitted by: An ASPCA Pet Health Insurance Pet Parent*


Photo Friday is a weekly column that showcases photos we receive from loving ASPCA Pet Health Insurance customers of their pets. If you want to see your pet featured, please email me!

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Customer Stories

Pet Blog Dog Photo

As pets can experience more health complications as they age, parents of senior pets can face the potential of hefty veterinary expenses.

When Nicole D. from Chicago* was told that her senior dog needed surgery, her pet health insurance helped ease some of this strain.

Here is her story:

“We took our 9-year-old dog, Lou, to the veterinary hospital for intensive surgery as he needed stones removed from his stomach, as well as a mass on his spine. Because of his age, there was only a 50-50 chance he would make it through the operation. To our relief, he survived and is here with us today to celebrate his 11th birthday! We want to thank ASPCA Pet Health Insurance not only for reimbursing us a good part of our bill, but for also making a traumatic time a little less stressful.”

Keep in mind, once your pet is enrolled with ASPCA Pet Health Insurance, we will never cancel your pet’s coverage because of age or health.

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Customer Stories

Senior Cat Blog Photo

With aging comes a general slowing down. This is true not only for people, but for our pets as well.

Generally speaking, small dogs and cats may reach senior status at around 7 years old, while large dogs may qualify as senior citizens as early as age 5. However, even though Fido or Fluffy may not be as physically fit as their former selves, there’s always a bit of frisky puppy or mischievous kitten ready to come out and play.

One of the best ways to keep your pets in top shape as they get older is to schedule regular annual exams with your veterinarian. The ASPCA recommends that you ask your veterinarian whether you should bring in your senior pets for more frequent exams. This will help you and your veterinarian stay ahead of many of the health issues associated with aging. Also, remember that once you’re enrolled with ASPCA Pet Health Insurance, coverage will never be cancelled because of your pets’ age.

Here are 4 more senior pet tips from our friends at the ASPCA:

Senior Dog Blog Photo

Tip #1—Dedicate playtime: Even moderate play sessions are a great outlet for senior pets’ animal instincts as it keeps their minds occupied and senses sharp. "Wrestling" and "keep away" are two fun games to play with your older dog as they allow you to dictate the duration and intensity level. Meanwhile, crafty felines adore interactive toys that require your participation to make the objects come to life. Wave and dangle a wand toy or throw a sponge ball to get your cat up and moving. Cats also love to explore, so gather a variety of everyday items like cardboard boxes, paper shopping bags with the handles removed and packing materials, then introduce them at different times to keep your kitty intrigued!  

Tip #2—Watch what they eat: Older pets appreciate set routines, but when it comes to their food schedule, a few changes may be helpful. Consider feeding your pets smaller, more frequent portions to help with digestion. Talk to your veterinarian about switching to food formulated for senior pets as they will require a diet that is low in fat but still has adequate amounts of protein and fiber. In any case, speak to your veterinarian about specifics.

Tip #3—Teach new tricks: Who said you can’t teach an old dog new tricks? In fact, senior dogs are more calm and focused, which means they actually learn much faster than puppies. Since they most likely know a few of the basics—like sit, stay or fetch—try teaching them how to play hide and seek. Learn how to teach this game to your pet here. Cats are also quick learners and, with a little creativity and patience, can be taught to wave, fetch, sit, stay and even come when called. According to the ASPCA, “persuasion, not punishment, is the key to training your cat.” Find useful feline training tips here.

Tip #4—Ask questions: Finally, to get the most out of a veterinary visit, have accurate information and recent observations on hand to share about your older pets’ health and behavior. And don’t hesitate to voice any concerns. Here are some questions you can ask:

• Are there any routine tests that should be done to monitor my pet’s health?
• What can I do to make my pet more comfortable?
• What changes should I make to my pet’s diet?
• Are there any preventive treatments I should consider at my pet’s age?
• How can I tell if a change in behavior is a result of the aging process vs. a warning sign of an illness?
• How long should we have playtime every day?
• Is there anything I should watch out for or adjust during grooming sessions?

Read more tips about taking care of an older dog or cat:

http://www.aspca.org/pet-care/dog-care/dog-care-aging.html 

http://www.aspca.org/pet-care/cat-care/cat-care-aging.html

This blog entry is not intended to provide advice on individual pet health or behavioral matters or to substitute for consultation with a veterinary doctor.

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ASPCA Happenings

Dog Insurance Blog Photo

Submitted by: An ASPCA Pet Health Insurance Pet Parent*


Photo Friday is a weekly column that showcases photos we receive from loving ASPCA Pet Health Insurance customers of their pets. If you want to see your pet featured, please email me!

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Customer Stories

A Pet Parent Asks:
How much time do I have to submit a claim?

ASPCA Pet Health Insurance Answers:
Claims need to be submitted for processing within 180 days of the date of service. 

For an ASPCA Pet Health Insurance claim form, click here.

You can submit the completed form to us by mail, fax or email (you’ll find the contact information on the claim form). You also need to submit a copy of the invoice from your veterinarian, but your veterinarian does not need to sign the form.

Questions? Call us at 1-866-204-6764.

 

Pet Parent Q&A is a regular column that answers customer questions in an effort to educate others. This is not a forum to receive responses to specific inquiries. Please call Customer Service at 1-866-204-6764 or email cservice@aspcapetinsurance.com for immediate assistance.

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Hartville Group News & Info

cat insurance photo

While older pets still have plenty of love to give, they are often overlooked at shelters in favor of puppies or kittens.

Recently, Jan S. from Cortland, New York*, told us about her decision to adopt a senior cat.

“My neighbor who works at a local animal shelter told me about a cat named Norma who really needed a home. She’s an older kitty and had been at the shelter for 8 months.

I was definitely reluctant at first. Not only do I suffer from allergies, but my Siamese cat had just passed away and I was still grieving. But I eventually gave in, and it turned out to be the best decision I ever made.

Norma is my buddy, my constant companion and the love of my life. Having ASPCA Pet Health Insurance has been such a comfort because, I will do anything to keep her happy and healthy!”

Remember, ASPCA Pet Health Insurance offers coverage for older pets! For initial enrollment in Levels 2, 3 and 4, we accept dogs age 12 and under and cats age 14 and under. That only applies to initial enrollment—we’ll never cancel your pet’s coverage because of age. All pets at least 8 weeks old are eligible for Level 1 accident-only coverage.

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Customer Stories

Pet Insurance Blog - Cat Photo

November is the ASPCA’s Adopt-a-Senior-Pet Month!

If you’re thinking about adding a furry member to your family, consider a senior dog or cat. Here are a few (of the many!) reasons why, from our friends at the ASPCA:

Reason #1: Match personalities.
Dogs and cats in their golden years have fully developed personalities, which makes it easy to determine whether they’ll mesh with your household’s current inhabitants.

Reason #2: Skip stressful housetraining.
Unlike kittens that sleep or play in their litter boxes, older cats only use it for its intended purpose and are more fastidious about grooming afterward. Likewise, older dogs often know how to ask to be let outside and are less likely to have an accident.

Reason #3: Keep household items protected.
Senior pets have calmer temperaments and are less destructive around the house. They’ve been around long enough to learn the difference between what is, and what isn’t, acceptable to chew, shred or bury in the backyard.

Reason #4: Gain an instant cuddle buddy.
While a young dog or cat’s high energy levels demand lots of activity and exercise, senior pets often prefer cuddling with their pet parents. Although playtime is still a must, the best part of the day is naptime, and they're often more than willing to share the experience.

Reason #5: Save a life!
While older dogs and cats still have plenty of love to give, they are often overlooked in favor of puppies or kittens. Check with your local shelter as many waive adoption fees for pets in their golden years.

Additionally, ASPCA Pet Health Insurance wants to help keep your new senior companion healthy and happy. That is why we offer coverage for older pets.

For initial enrollment in Levels 2, 3 and 4, we accept dogs age 12 and under and cats age 14 and under. That only applies to initial enrollment—we’ll never cancel your pet’s coverage because of age.  All pets at least 8 weeks old are eligible for Level 1 accident-only coverage.

For more information about our coverage, please call 1-866-861-9092.

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ASPCA Happenings

Pet Insurance Photo Friday

Submitted by: An ASPCA Pet Health Insurance Pet Parent*

 

Photo Friday is a weekly column that showcases photos we receive from loving ASPCA Pet Health Insurance customers of their pets. If you want to see your pet featured, please email me!

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Customer Stories

New York City event celebrates the significant role that animals play in human lives by honoring heroic deeds

Canton, OH (PRWEB) November 10, 2010—The Hartville Group, Inc., a leader in the US pet health insurance industry, is sponsoring this year’s ASPCA® (The American Society for the Prevention of Cruelty to Animals®) Humane Awards Luncheon.

Read more

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Hartville Group News & Info

WELCOME,
PET PARENTS!

As we’re dedicated to making a difference for pets, we want to keep you informed about pet health topics and your ASPCA Pet Health Insurance plan. Our blog will provide you with fresh, interesting and informative topics—from pet health tips and customer stories, to the latest industry news and a Pet Parent Q&A column. Most of all, we encourage you to share comments and join the discussion!

Meet the Author

Julia H.

Social Media Coordinator

Pet Parent to:

Lucy, an 8-year-old rescued Golden Retriever/Chow Chow mix

Blog Guidelines

While we’ll strive to present all viewpoints on this blog, comments will be reviewed before posting. Offensive or inappropriate language, off-topic remarks and comments containing personal policy information will not be featured.

Also, conditions discussed in this blog aren’t necessarily covered by every ASPCA Pet Health Insurance plan. For full coverage terms, conditions and exclusions, please refer to your plan.

As always, if you have a question about your plan, call us at 1-866-204-6764.

*Note: While these testimonials may include examples of recent claims payouts, reimbursement is subject to the terms and conditions of your plan. Identifying information has been changed.