With Petplan pet insurance, you are required to take certain steps to take care of your pet, including getting them an annual exam and dental cleaning. Otherwise, you won’t be eligible for reimbursement. In addition, you need to ensure your pet receives any treatments normally suggested by a veterinarian to prevent illnesses and injuries. ASPCA Pet Health Insurance coverage does not have these kinds of requirements.

ASPCA® Pet Health Insurance Petplan Pet Insurance
Reimbursement Choice of 90%, 80% or
70% of covered vet costs
Choice of 90%, 80% or
70% of covered vet costs
Unlimited Plan Available Yes Yes
Type of Deductible Annual Annual or Incident
Illness Waiting Period 14 Days 15 Days
Accident Waiting Period 14 Days 15 Days
Preventive Care Optional add-on No
Coverage Includes:    
Exam Fees Yes Yes
Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. Yes Yes
Prescription Medications Yes Yes
Hereditary and Congenital Conditions Yes Yes
Alternative Therapies Yes Yes
Behavioral Issues Yes Yes
Dental Illnesses Yes Yes
Chronic Conditions Yes Yes
Specialists Yes Yes
Stem Cell Treatments Yes Yes
Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
Yes Prescription food is excluded; prescription supplements are covered
Microchip Yes No
No Vaccination Requirements for Coverage of Certain Conditions Yes No
Multiple Pet Discount 10% for each additional pet None
Upper 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.

None None
All Pets Eligible, Regardless of Health Yes Yes
Accident-Only Plan Available for All Pets Yes N/A
Money Back Guarantee 30 Days* 30 Days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. Petplan started selling plans in the US in 2006.
Better Business Bureau Rating A+ A+

Petplan Insurance Plan Comparison

Petplan pet insurance and ASPCA® Pet Health Insurance plans differ in some important ways including requirements on caring for your pet.

Pet Care Requirements

If you don’t take your pet to the veterinarian for an annual check-up and dental cleaning, you won’t be eligible for reimbursements with Petplan. Petplan also requires you to provide your pet with any treatments normally suggested by a veterinarian to prevent illnesses and injuries or you may not get reimbursed for your claims.

With ASPCA® Pet Health Insurance coverage, there are no requirements concerning your pet’s care. We also never interfere with your veterinarian’s recommended treatment plans for your pet.

Preventive Care

You can add preventive care coverage to your ASPCA® Pet Health Insurance plan at a low additional cost. This coverage reimburses a set amount for a list of conditions, including annual check-ups, vaccines, heartworm preventatives, and flea and tick medications. Petplan does not offer preventive care coverage. Even if you don’t intend to sign up for this coverage initially, you may change your mind in the future.

Behavioral Conditions

ASPCA® Pet Health Insurance plans covers behavioral conditions, with symptoms such as excessive vocalization, destructive chewing, and pacing. Pets with this kind of condition can disrupt the house and may even hurt themselves, for instance, if they obsessively chew at their fur. ASPCA® Pet Health Insurance coverage can help you manage the costs of diagnosis and treatment of behavioral conditions, including any medications that your veterinarian prescribes to help your pet.

Petplan only offers this coverage with an annual limit of $1000. The annual limit is the maximum amount you can be reimbursed during the policy year. Petplan will not cover more than $1000 per policy period for behavioral conditions.

Prescription Food and Supplements

Your veterinarian may recommend prescription food or supplements to help with specific health conditions. Petplan covers prescription supplements but not prescription food. ASPCA® Pet Health Insurance plans cover both prescription food and supplements to treat covered conditions (not for general maintenance or weight management).


ASPCA® Pet Health Insurance coverage will reimburse you for the costs of implanting a microchip in your pet. This procedure is not painful for your pet and it can help make sure your pet is returned home quickly and safely. Petplan does not offer coverage for a microchip.

Multiple Pet Discount

If you plan to protect more than one pet, you’ll save money on your base plan premium with a 10% multiple pet discount from the ASPCA® Pet Health Insurance program for each pet after your most expensive pet. Petplan does not offer a discount for insuring multiple pets. You may only have one pet in your family now, but if you decide to welcome a new pet later, you may want a provider that offers this discount.

*We offer a 30-day money-back guarantee if no claims are filed; 15-days in LA and ME. Not available in NY.

Comparison information is provided using publicly available information as of 7/1/2019 and is only meant to summarize program features, not a specific plan.

Review the provider’s plan terms for more details. The description of the providers’ plans are 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. We attempt to keep information up to date but 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@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).

The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.