Key Differences
The ASPCA Pet Health Insurance Program offers lower deductible options.
Fetch offers three levels of a wellness coverage add-on. The ASPCA Pet Health Insurance Program offers two.
The ASPCA Pet Health Insurance Program has a shorter orthopedic condition waiting period.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans ASPCA® Pet Health Insurance program and Fetch offer.
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 |
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
7,959 |
39,556 |
Deductible: |
$100, $250, or $500* |
$300, $500, $700 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$2,500 to Unlimited* |
$5,000 to Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
14 days |
0 days |
Illness Waiting Period: |
14 days |
Up to 15 days |
Wellness Waiting Period: |
N/A |
0 days |
Orthopedic Waiting Period: |
14 days |
6 months* |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Excluded |
Optional |
Dental Coverage: |
Limited Coverage |
Included |
Exam Fee Coverage: |
Yes |
Yes |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 270 days of treatment |
Within 90 days of treatment |
Claims Submission App: |
Yes |
Yes |
The ASPCA® Pet Health Insurance program Accident and Illness Coverage
The accident and illness coverage from the ASPCA® Pet Health Insurance program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options*
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options*
$2,500 to Unlimited
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Accidents & Illnesses)**
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
*More deductible and annual limit options are available. You can contact the ASPCA® Pet Health Insurance program's customer care team to get an annual limit and deductible that works best for your individual needs.
**Coverage is included for tooth extractions resulting from covered accidents or illnesses. Routine dental cleanings and major procedures like root canals or crowns are not included in the base plan. Routine dental cleaning coverage is available with the Preventative Care Coverage add-on.
Preventative Care Coverage
The ASPCA® Pet Health Insurance program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Routine Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Routine Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Fetch Accident and Illness Coverage
Fetch offers accident and illness coverage for dogs and cats. You can customize this configuration to fit your needs and budget.
Deductible Options
Fetch's standard deductible options are $300, $500, and $700. You can contact their customer care team to get a custom deductible that works best for your individual needs.
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
Fetch offers a wide variety of annual coverage and deductible choices. They give customers additional flexibility by offering a one-on-one call to their customer care team to provide the best options, including a range of $5,000 to unlimited annual coverage.
What's Covered
Accidents
Acupuncture, Chiropractic Care, and Physical Therapy
Aggression and Separation Anxiety
Allergies
Breed-Specific Issues
Cancer Coverage
Congenital Conditions
Dental Illness and Injuries (includes illnesses and injuries in all adult teeth, not just the canines)
Diabetes and Insulin
Emergency Vet Visits and Hospital Stays
Hereditary Conditions
Illnesses
Online, In-Home, and Office Vet Visits
Prescription Medications and Supplements
Sick-Visit Exam Fees
Specialists
Surgery
X-rays, CT scans, Ultrasounds, Blood and Lab Tests
Optional Fetch Wellness Add-On
Fetch also offers an optional routine care add-on for its main insurance product. You can choose from three levels of wellness coverage: Essentials, Advantage, and Prime. Each level has varying allowances and caps for covered items.
Essentials
Has an annual coverage amount of $315 and includes:
Annual exam
Canine Bordetella / Feline FELV vaccines
Canine DHLPP / Feline FVRCP vaccines
Canine Rabies / Feline Rabies vaccines
Canine Lyme / Feline FIP vaccines
Heartworm, flea, and tick prevention
Heartworm tests
Dental cleaning
Spaying or neutering
Blood test
Urinalysis
Fecal test
Advantage
Has an annual coverage amount of $520. Includes everything that is covered in Essentials, plus:
Microchipping
Anal gland expression
Prime
Has an annual coverage amount of $735. Includes everything that is covered in Advantage, plus:
Behavioral exam
Health certificate
Activity monitor
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for ASPCA® Pet Health Insurance program and Fetch.
ASPCA® Pet Health Insurance program Claims Details
The ASPCA® Pet Health Insurance program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Fetch Claims Details
Fetch Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can also mail or email your claim form with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Fetch Pet Insurance app
Approved claims are paid back in as little as two days
Our ASPCA® Pet Health Insurance program vs. Fetch Review
The ASPCA Pet Health Insurance Program and Fetch Pet Insurance offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both insurers also offer optional wellness coverage add-ons to their base plans.
You can configure plans based on your pet's needs and budget with the ASPCA Pet Health Insurance Program and Fetch. But there are some differences in customization to note, like deductible and annual limit options. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
