ASPCA Pet Health Insurance vs. AKC Pet Healthcare Plan
Most pet insurance plans cover accidents and illnesses, but do you also want other types of coverage for your pet? AKC Pet Healthcare Plan does not have coverage available for hereditary and congenital conditions, alternative therapies or behavioral issues.
With ASPCA Pet Health Insurance plans, we have 4 levels of coverage that offer all of these options, so it’s easy to find the right plan for your needs.
There's also no limit to the number of accidents or illnesses we'll cover each year or over a pet's lifetime. Considering many of our customers who file a claim wind up filing three or more in a year,+ this can make a big difference.
View a claim example to see how this works.
|Example Monthly Cost**|
|Reimbursement||Choice of 90%, 80% or 70% of
usual and customary covered costs
|90% or 80% of reasonable and
customary charges, depending on plan, minus exam fee
|Type of Deductible||Annual||Incident or annual,
depending on plan
|Illness Waiting Period||30 Days||14 Days|
|Accident Waiting Period||None||3 Days|
|Hereditary and Congenital Coverage||Both hereditary and congenital conditions are covered on two plans. Dogs 12 and under and cats 14 and under at initial enrollment are eligible for this coverage.||Optional add-on|
|Alternative Therapy Coverage||Available. Coverage includes chiropractic care, acupuncture, physical therapy, rehabilitative care, hydrotherapy and low-level laser therapy.||Not Available|
|Behavioral Coverage||Available. Coverage includes consultations, diagnostics and prescriptions.||Not Available|
|Coverage for Chronic Conditions||All levels come with Continuing Care to cover chronic conditions for eligible pets.||Included, according to the terms of the base plan|
|Multiple Pet Discount||10% for each additional pet||5% for each pet when insuring two or more|
|Age Limits for Illness Coverage Enrollment
This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet's plan won't be cancelled because of age.
|Accident-Only Plan Available for All Pets||Yes||Yes|
|Money Back Guarantee||30 Days||30 Days|
|Experience||The agency that provides ASPCA Pet Health Insurance was founded in 1997.||The company that offers AKC Pet Healthcare Plan started selling plans in the US in 2003.|
|Better Business Bureau Rating||A+||A+|