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ASPCA vs. Petplan Pet Insurance
ASPCA and Petplan are two of the best pet insurance companies in America. This chart compares them side-by-side.
|Deductible||$100, 250 or 500||$100 - $1,000
|Reimbursement||70, 80 or 90%||70, 80 or 90%|
|Annual Limit||$5k to Unlimited
||$2,500 - Unlimited|
|Wellness||Yes, for additional charge
|Waiting Period for Accidents||1 day||5 days|
|Waiting Period for Illnesses||14 days||15 days|
|Orthopedic Coverage||14 days
|Hereditary & Genetic Conditions||No restrictions
|Dental||Accidents only||Accidents only|
8 weeks minimum, For illness coverage 12 years-old for dogs, 14 years-old for cats; No upper age limit for accident only coverage, dogs who are 9 years old and greater, and cats 11 years old and greater at initial enrollment are not eligible for Continuing Care, which covers ongoing conditions.
Must agree to terms and conditions prior to enrollment. May ask for veterinary records to clarify health issues. Must acknowledge that pre-existing conditions are not covered.
6 month waiting period for cruciate ligaments and patellar luxation however a 30 day waiver is available, only 14 days for hip dysplasia coverage.
Petplan covers dental injury, fractures, extractions and has the most comprehensive periodontal disease coverage.
While all applications are subject to underwriting review, medical records are not typically required for enrollment. Based on your pet’s medical history, records may be requested if: your pet is currently taking medication; your pet has had a recent injury or illness; you are re-enrolling your pet with a Petplan policy after there has been a break in coverage.
6 weeks minimum age, no maximum age.
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