ASPCA Pet Health Insurance vs. Petplan

ASPCA Pet Health Insurance and Petplan are both highly respected brands in the American pet insurance market. ASPCA offers a fully customizable plan with optional wellness coverage. Petplan offers a fully customizable plan but does not offer a wellness coverage option. Before you choose a plan get quotes from each company to see how much you will pay for your pet!

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ASPCA Pet Health InsurancePetplan Pet Insurance
Price:Get a Quote Get a Quote
Overall Rating:
Total Reviews:7,5035,949
Deductible:$100 - $500$250 - $1,000
Reimbursement:70% - 90%70% - 90%
Annual Limit:$5,000 - Unlimited$2,500 to Unlimited
Company Profile:Company Overview Company Overview
Waiting Period for Accidents:14 days5 days
Waiting Period for Illnesses:14 days15 days
Waiting Period for Orthopedic Coverage:14 days15 days**
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Optional Excluded
Vet Restrictions:NoneNone

 

Can’t Go Wrong Either Way

Petplan is a very simplified, affordable, and reputable pet insurance that has great customer ratings. Serving customers for well over a decade, Petplan is also well known for its customer service. ASPCA pet insurance offers a variety of plans to choose from and is one of the most highly respected pet insurance brands in the United States.

 

ASPCA Pet Health Insurance

The ASPCA pet insurance brand offers different plan to suit your pet’s needs and your budget, including Complete Coverage, Accident-Only Coverage and Preventative Care Coverage. They also offer wellness coverage as an option, as well as a 30-day money-back guarantee, and the ability for you to visit any veterinarian in the US or Canada, without out-of-network fees.

View the ASPCA general overview

Deductible — $150 – $500

Reimbursement — 70% – 90%

Emergency Care — Included

Waiting period for accidents/Illnesses — 14 days/14 days

 

Petplan Pet Insurance

Offering a straightforward plan that covers any illnesses, unexpected health issues, and accidents, Petplan pet insurance also lets you customize your coverage with additional options if desired. Any pets six weeks or older are welcome, and your policy will never be canceled due to a pet’s age, health or claim history.

Petplan Overall Rating:

View the Petplan general overview

Deductible — $250 – $1,000

Reimbursement — 70% – 90%

Emergency Care — Included

Waiting period for accidents/Illnesses — 5 days/15 days

 

Coverage Comparison

With the ability to customize plans with both Petplan and ASPCA pet insurance, you can get full, complete coverage or less if desired. However, wellness coverage is not offered as an option with Petplan.

 

Price Comparison

Petplan average price range— $29-35/month

ASPCA average price range— $37-64/month

Both pet insurance brands are top-rated and a good choice. If you want more customizable options, you can go with ASPCA, or you can pick a more straightforward plan from Petplan, which also costs less.

 

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ASPCA Pet Health Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request.

Petplan Pet Insurance Enrollment Requirements

*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.

**Orthopedic Health Issues

  • 6-month waiting period for cruciate ligaments and patellar luxation
  • Standard 15 day Illness Waiting Period for other Orthopedic conditions
  • Exclusionary period for knees can be waived with a healthy knee exam/check at the vet while the policy is in force
  • 30-day waiver is available
  • Cruciate injuries and illnesses are coverable, but there is a six month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days