Compare Pet Insurance Plans – ASPCA Pet Insurance

Looking for the best pet insurance plans? It's easy to find the coverage that's right for you.
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Some pet insurance companies advertise plans as low $10 per month. However, if you read the policy’s fine print, you may find that reimbursement maxes out at $500 per year. So, if your puppy has a medical emergency, the most this policy will reimburse you is $500, for the entire year. But vet emergencies cost thousands!
Compare the benefits of our pet insurance base plans - CompanionSelect and CompanionPlus - side by side. Find out what is covered by each and get a quote!
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Pet insurance plans cover the medical costs associated with illnesses and injuries that befall your pet. Most providers only cover dogs and cats, but a select few expand coverage to all types of animals. Policies function in much the same way as regular health insurance with deductibles, copayments, and lifetime, annual, or per incident benefit limits. Most pet insurance providers, however, do not communicate directly with your veterinarian and require you to pay out of pocket and wait for reimbursement. Compare plans & prices right now. Free quotes from all the top pet insurance companies. Expert ratings. Customer reviews. 5 easy steps to the perfect plan!
Photo provided by FlickrSeveral pet insurance companies offer multi-pet insurance plans and discounts if you have more than one furry friend. Find the right plan for you.
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Pet Insurance is legally offered by designated insurance brokers in the Jacksonville, Fl area. Pet insurance plans generally cover treatment for animal illnesses or injuries. These plans require monthly premiums and cover a large portion of the cost of diagnosis and treatment for emergency situations; however, there may be exclusions as well as caps on your claims. Typically Pet Insurance Plans are more expensive than wellness plans albeit they usually provide a more comprehensive level of coverage which may include all or part of the following services: Ultrasounds, x-rays, blood work, surgery, 90% bill coverage -beyond exam fees, unlimited payouts, preventative and therapeutic nutrition, no extra charges for chronic conditions. Some plans don’t cover pre-existing conditions or chronic issues such as kidney failure, diabetes or arthritis. Certain breeds or dogs of a certain age might also be exempt from some types of insurance coverage. As with other insurance plans, deductibles and co-pays may apply.
Annual coverage limits from $2,500 to $20,000 depending on plan; unlimited option available on some plans. Choice of deductibles from $100 to $500 and reimbursement levels of 70%, 80% and 90% of the vet bill.

ASPCA offers an accident-only plan and a comprehensive plan covering accidents and treatment for illness, hereditary and congenital conditions and behavioral issues. Alternative treatment, such as stem-cell therapy and acupuncture, is included in comprehensive plan.

Plans cover exam fees, diagnostics and treatment.

The American Society for the Prevention of Cruelty to Animals (ASPCA) does not issue or administer the policies, but gets royalty fees for policies sold.

Financial strength rating: A (Excellent) by A.M. Best (under U.S. Fire Insurance Co.)Tinseltown Animal Hospital recommends that all pet owners compare the insurance and wellness plans offered by different pet hospitals and animal organizations to understand the differences in coverage and options available to you. Make sure that you are clear on the effective date of whatever plan you purchase. Your coverage may not begin on the date you sign the contract and you could end up being charged more than you expect if an office visit becomes necessary or an emergency occurs in the timeframe in between.When deciding on a pet insurance provider it’s important to have a clear picture of the conditions covered and benefit limits particular to a given plan. For example, some companies might advertise “unlimited coverage,” but paradoxically have maximum amounts they will pay per incident or condition. You also should find out what conditions are specific to your pet’s breed and make sure the plan is willing to adequately pay for these. Though all plans have standard waiting periods for accidents and illnesses, be aware that some have per condition waiting periods for relatively common breed-specific ailments like canine hip dysplasia.