ASPCA Pet Health Insurance vs. Petplan
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.
|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||5 Days|
|Preventive Care||Optional add-on||No|
|Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc.||Yes||Yes|
|Hereditary and Congenital Conditions||Yes||Yes|
|Behavioral Issues||Yes||Yes, on policies with $15,000 or greater annual limit|
|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|
|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.
|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+|
Comparison information is provided using publicly available information as of 12/1/2018 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 firstname.lastname@example.org or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.