Frequently Asked Questions
About Our Program
Employees can cover their pets for injuries, illnesses, wellness care, chronic conditions, hereditary and congenital conditions, alternative therapies and behavioral issues. Learn more about our plans.
Premiums will depend on a few factors, including the plan chosen, the breed, species and age of the pet as well as the employee’s zip code.* Accident coverage starts at about $16 a month for dogs and $12 a month for cats. Plans with accident and illness coverage cost as low as $27 a month for dogs and $19 a month for cats. Plus, your employees can save 10% on the base plan premium for every pet they insure in addition to our 10% multiple pet discount for each additional pet. Please note that rates and discounts may vary by state.
Employees are free to visit any licensed veterinarian in the US or Canada, including emergency clinics and specialists. They will pay their veterinarian and then file a simple, 1-page claim form which can be sent to us by mail, email or fax. We’ll reimburse covered charges, typically within 1-2 weeks. We provide the option of reimbursement by check or direct deposit.
Employees are eligible for a 10% base rate group discount in addition to a 10% base rate discount for eligible multiple pets. Discounts apply to the base plan premium. Please note that the group discount is 5% in Florida and not available in Tennessee or Hawaii. Contact us for more details.
No. Employees will enroll in an individual ASPCA Pet Health Insurance policy with a premium that’s determined by their plan choice, the breed, species and age of their pet as well as their zip code. Employees are eligible for a discount, where available, on their premium when a qualified group, such as an employer, adds our benefit.
Absolutely! Here’s a real claim for a dog covered by Level 2, our most popular plan:
|Total treatment costs||$1,770.63|
|Costs Eligible for Coverage||$1,756.61|
|Minus Annual Deductible||- $100|
|90% Reimbursement of Covered Costs||$1,490.94|
Please note that we do not use a benefit schedule. That means our reimbursements are based on the actual treatments required for an individual pet, rather than a flat payout based on the diagnosis.* Coverage and claim reimbursement is subject to the applicable plan as well as the fact and circumstances of each claim. Contact us for more details.
Employees calling us to enroll or for questions about their plan can reach us from 8 am to 9 pm EST Monday through Friday and 9 am to 5 pm EST Saturday.
About Implementing Our Program
As part of your toolkit, we will provide a benefits portal for your employees to learn more, view their discounted rate and enroll. We’ll also provide pet insurance brochures, a welcome flyer, a pet safety brochure and content for your employee newsletters. View the full toolkit here.
Implementation is easy. You decide when to implement the benefit—either at open enrollment or off-cycle. With our turnkey program we can have you up and running in no time. You also have the option of payroll deduction. Payroll deduction implementation is also very efficient and we’ll develop a timeline that fits your needs.
We know HR professionals are very busy, so we work hard to make the process as easy as possible for you. Fill out our short form, and we’ll contact you with more information for your company’s program. We’ll then take care of the implementation. Our digital toolkit makes it easy for you to share the new benefit with employees.
Yes! Payroll deduction is available.
No, there are no minimum enrollment requirements and there are no minimum participation requirements.
Not at all! You can offer our benefit at anytime.
We are happy to send you or your broker materials to distribute at benefit fairs and in new hire kits.