Pet insurance plans come with either an annual deductible or an incident deductible. It may seem like a minor difference, but it can have a huge impact on your reimbursements!

An annual deductible only needs to be met once a plan year, no matter how many accidents or illnesses your pet experiences. An incident deductible starts over at each injury or illness, and that can really add up. After all, nearly 40% of our customers who file a claim experience three or more incidents in a year.+

ASPCA Pet Health Insurance plans have an annual deductible that can be customized to fit your needs.

Here’s an example: Sam is a 7-year-old dog who got hurt twice in a year

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Annual Deductible
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Incident Deductible
Monthly Cost $42.11 $42.17
Deductible Option
Required for Comparable Plan Cost
$100 per year $820 per incident
  Injury 1 Injury 2 Injury 1 Injury 2
Total Treatment costs $3,257 $3,423 $3,257 $3,423
Excluded Exam Fees $0 $0 $30 $128
Deductible $100
per year
$0 $820
per incident
$820
Potential payout after deductible* $2,643 $2,886 $2,166 $2,228
  based on 90% of usual
and customary covered charges
based on 90% of vet bill minus exam fees
Total Reimbursement for 2 Injuries $5,529 $4,394

* Potential reimbursements shown are calculated as if they occurred to the same 7-year-old retriever dog in zip 81611. Calculations based on actual ASPCA Pet Health Insurance claims received for this pet and on publicly available policy information as of 4/21/14. Coverage and reimbursement for these types of claims are not to be inferred but is determined in reference to a particular insurance plan, as well as the fact and circumstance of each claim.

+Internal claims data, Jan. 2010-Dec. 2012

Comparison information is provided using publicly available information as of 10/28/13 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@hartvillegroup.com or mailing Marketing Department 3840 Greentree Avenue SW, Canton, Ohio 44706.