ASPCA Pet Health Insurance vs. Trupanion
Trupanion promises "unlimited" coverage, which can come at a higher price than other types of plans. However, it may not be worth the extra cost, especially when the veterinary exam fee is excluded on all claims. See how deductible and premium choices could affect the value of "unlimited" plans.
We designed ASPCA Pet Health Insurance to give pet parents the right amount of coverage at the right price. In fact, our accident and illness plans can cost as much as 30% less than others, but only about 0.5% of our customers even hit their plan's coverage limit.+ Would a more expensive plan be worth the extra cost?
The type of deductible also can play a major role in your reimbursements.
View a claim example to see how deductibles work.
|Example Monthly Cost**|
|Reimbursement||Choice of 90%, 80% or 70% of
usual and customary covered costs
|90% of covered vet costs, minus exam fees|
|Type of Deductible||Annual||Incident|
|Illness Waiting Period||30 Days||30 Days|
|Accident Waiting Period||None||5 Days|
|Hereditary and Congenital Coverage||Available||Available|
|Alternative Therapy Coverage||Included with two plans||Optional add-on|
|Behavioral Coverage||Included with two plans||Optional add-on|
|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||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.
|Accident-Only Plan Available for All Pets||Yes||No|
|Money Back Guarantee||30 Days||30 days|
|Experience||The agency that provides ASPCA Pet Health Insurance was founded in 1997.||Trupanion started selling
plans in the US in 2008.
|Better Business Bureau Rating||A+||B|