ASPCA 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:6,9695,838
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

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