ASPCA Pet Health Insurance vs. 24PetWatch
24PetWatch's plans have annual limits that set a total reimbursement amount for the year. That means that, if a pet is unlucky and gets sick three times in a year, the reimbursements cannot be higher than the total payout limit.
On the other hand, ASPCA Pet Health Insurance has an incident limit. The full benefit amount is available for each new sickness or injury, so there's no limit to the number of accidents or illnesses we'll cover each year. Considering many of our customers who file a claim wind up filing three or more in a year,+ this can make a big difference.
View a claim example to see how this works.
|Example Monthly Cost*|
|Reimbursement||Choice of 90%, 80% or 70% of
usual and customary covered costs
|80% of covered vet costs|
|Type of Deductible||Annual||Annual (in some states)|
|Illness Waiting Period||30 Days||14 Days|
|Accident Waiting Period||None||None|
|Hereditary and Congenital Coverage||Available||Available|
|Alternative Therapy Coverage||Available||Available|
|Coverage for Chronic Conditions||All levels come with Continuing Care to cover chronic conditions for eligible pets.||Included, according to the
terms of the base plan
|Multiple Pet Discount||10% for each additional pet||5% for each of two pets if at least one is a cat; 10% for each pet when enrolling three pets|
|Age Limits for Illness Coverage Enrollment
This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet's plan won't be cancelled because of age.
|Accident-Only Plan Available for All Pets||Yes||Yes|
|Money Back Guarantee||30 Days||None|
|Experience||The agency that provides ASPCA Pet Health Insurance was founded in 1997.||The company that offers 24PetWatch started selling plans in the US in 2001.|
|Better Business Bureau Rating||A+||A+|