With Petplan, customers have to give their pets an annual health check and an annual dental exam. They also have to provide any treatments normally suggested by a veterinarian to prevent illnesses and injuries.

With ASPCA Pet Health Insurance Complete CoverageSM, you aren’t required to perform any medical exams on your pet, and your annual benefits reset each year to continue covering chronic conditions.

Example Monthly Cost*
Complete CoverageSM
$10,000 Annual Limit:
Custom Plan:
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 None 5 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, on policies with $15,000 or greater annual limit
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
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+