How to Learn More about Pet Insurance Providers for Your Clients
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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 clients?
Here are 5 questions to ask any pet insurance provider to help you learn about the best fit for your practice’s clients. If you’d like to learn more, contact our Veterinary Services Department today at 1-877-738-2677!
1. How much does the plan cost?
A pet insurance plan needs to give clients 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 clients 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 clients’ reimbursements?
ASPCA Pet Health Insurance plans reimburse 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 clients’ 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 incidents occur.
3. Is wellness coverage available?
Wellness care is an important way to keep clients in touch with your practice and
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 you, the veterinarian, have to do?
We know your first priority is your patients—not insurance paperwork. At times we
may request medical records to help process a claim, but we do not ask you to
sign or fill out a portion of our claim form. We also don’t require a diagnosis
before we’ll begin reimbursing claims.
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 take great care of your clients
and their pets. Plus, we’re the ASPCA®’s only strategic partner for pet
insurance, and we have an A+ rating with the Better Business Bureau (2012).