Why offer ASPCA Pet Health Insurance as a voluntary benefit?
Great coverage with savings up to 20%**
Easy implementation with no cost to your company
A popular benefit that everyone can feel good about
Easy direct billing solution
Frequently-asked Questions about offering our pet insurance
- Who can offer our pet insurance?
We work with companies, organizations, and associations of different sizes to offer their employees or members our pet insurance. We also partner with voluntary benefit producers to help expand their portfolio with pet insurance.
- Why should I offer pet insurance?
Pet insurance is becoming increasingly popular with pet parents. The North American Pet Health Insurance Association reports that nearly 3.1 million pets were insured in North America at the end of 2020 with an average annual growth rate of 18.9% since 2016.*
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Part of the reason more pet parents are covering their pets is because they see them as an integral part of their families. Many would pay almost any amount of money to provide their pets with the best veterinary care possible if they got sick or injured. Pet insurance helps pet parents rest easy knowing they’ll have help covering these expenses. It allows them to focus on their pets' well-being with less worry about the costs of treatment.
It’s no surprise then that more and more employees are asking for pet insurance through their work benefit program. By offering pet insurance to your employees, members, or clients, you’re giving them a benefit they want and showing them that you care about their pets. It’s a great way for companies and associations to attract and retain talent. If you’re a voluntary benefit producer, it’s the perfect addition to your portfolio.
Our program has many advantages, including:
- Easy direct billing solution
- Freedom to offer it at any time – no need to wait for open enrollment
- Digital toolkit to help you communicate and promote the program
- No minimum participation requirements
- Dedicated account management
- Simple phone or online enrollment for pet parents
- Coverage for accidents, illnesses, and more
- Friendly customer service
- What does our pet insurance cover?
Our coverage can help with the treatment costs for all sorts of accidents, from bumps and bruises to burns and lacerations, as well as the treatment costs of illnesses, such as ear infections, diabetes, arthritis, and cancer. It also includes congenital conditions, alternative therapies, and behavioral issues.
For pet parents who just want coverage for emergencies or have lower budgets, we also offer an Accident-Only coverage option.
- How much does it cost?
The cost depends on a few things, including the selected coverage and the breed, species, and age of the pet along with the pet parent’s zip code. Our customers can also customize their plan to fit their budget and coverage needs. They can choose their annual deductible, pick their reimbursement percentage, and select their annual limit.
Plus, we offer a 10% base rate group discount in some states*, which applies to the base plan premium for every pet. That’s on top of our 10% multiple pet discount for each additional pet insured, excluding the pet with the highest premium. Please note that rates and discounts may vary by state.
*No group discount in TN or HI
- How do your customers get reimbursed?
Our customers can go to any licensed veterinarian in the US or Canada, including specialists and veterinarians practicing at emergency clinics. They pay the bill as usual and then submit a claim to us for reimbursement.
Customers can submit claims using our My Pet Insurance app even before they leave the veterinary clinic. They can also submit them online or by email, fax, or mail. They can choose to receive their payments through direct deposit or as a check in the mail.
- How much does it cost to implement a program?
There is no cost to you. Our turnkey program is also easy to implement and utilizes an easy direct billing solution, which minimizes any administrative burden on your HR or payroll teams.
- How much work is it to implement a program?
We know you’re busy, so we make it as easy as possible for you to offer our pet insurance. We take care of the implementation and provide a digital toolkit, which includes PDF brochures, PDF flyers, and email templates that you can distribute to your employees, members, or clients.
- How long does it take to implement?
Lead time to implement our program is about five business days or less.
- What Billing Options Do You Offer?
We offer a customizable direct bill solution. We’ve found that direct bill provides a great experience for both the employee and HR team.
- Is there a minimum for enrollment?
No, there are no minimum enrollment requirements or minimum participation limits. Companies and associations also do not have to wait for open enrollment. You can offer pet insurance as a benefit to your employees or members at any time.
- How do I get started?