A benefit schedule sets a fixed payout amount based on a pet's diagnosis. It does not take into account whether veterinary care is more expensive in your region of the country. It also doesn't change based on your pet's individual treatment circumstances.

ASPCA Pet Health Insurance plans reimburse based on usual and customary covered charges, which are charges considered typical for your geographic region. That also allows us to reimburse you based on the actual services your pet needs.

Here’s an example: Two different dogs swallow a foreign object and need surgery to get it out. Based on the pets' circumstances, the treatments costs can vary, but a benefit schedule only allows one amount based on the diagnosis.

 JackDaisy
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Benefit Schedule
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Benefit Schedule
Total treatment costs $1,696 $1,696 $3,774 $3,774
Benefit schedule amount
for foreign object with surgery
N/A $1,060 N/A $1,060
Annual deductible $100 $100 $100 $100
Potential payout
after deductible*
$1,391
based on 90% of usual and customary covered charges
$960
based on benefit
schedule allowance
$2,815
based on 90% of usual and customary covered charges
$960
based on benefit
schedule allowance

* Potential reimbursements shown are calculated as if they occurred to the same two dogs. Calculations based on actual ASPCA Pet Health Insurance claims received for these pets and on publicly available policy information as of 4/21/14, policy #VS-G-2-a(11-08). 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.

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.