| |
VPI |
PetCare |
AKC |
ASPCA |
PetPlan-USA |
| Levels of Coverage |
2 levels of accident/
illness plans (described
below) & 4
additional plans that
include wellness coverage
for additional
$12-$22/month. |
5 levels including accident
only; accident/
illness plan (discussed
below); senior plan; &
2 combined accident,
illness & wellness
plans for additional
$8-$23/month. |
5 levels including
accident only; 2
levels of accident/
illness coverage
(discussed below);
2 levels combined
accident, illness &
wellness coverage for
additional $30-$43/
month. |
5 levels including
accident only; accident/
illness coverage
(discussed below);
2 levels combined
accident, illness &
wellness coverage for
additional $12-$25/
month; & long term
care policy. |
3 levels of accident/
illness coverage (2
discussed below),
each with 3 levels of
deductibles & 3 levels
of co-pay. |
| Name & Cost |
Standard Plan: $13.25
/month.
Premium increase as
pet ages. |
Quick Care Gold
Select Breed.
Monthly cost/co-pay
$53.95 10%
$38.95 30%
No increase as pet
ages. Premiums may
increase with excessive
claims |
Essential Plan: $28/
month.
Premiums may increase
at renewal. |
Primary Plan for
$21/month.
Premiums will increase
at age 9 years
& 12 years. |
Bronze Select Breed:
Cost/ ded/ co-pay
$62.13 $50 10%
$55.45 $50 20%
$52.78 $100 10%
$47.13 $100 20%
Preminum increase
as pet ages. |
| Deductibles & Co-Pay |
$50 per incident
deductible. 10 % copay
& a lower benefit
seems to allow 70%
of veterinary invoice. |
$100 deductible per
accident or illness
category.
10% or 30% co-pay
choice. |
$125 deductible per
accident or illness
category.
10% co-pay. |
$100 annual deductible.
20% co-pay. |
Special 30% co-pay
if seen by referred
specialist, in an
emergency, or at after
hours facility except
for life saving emergency
or at accredited
school/college of
veterinary medicine. |
| Limits & Benefits |
Unlimited lifetime
benefits. $9000
maximum benefits
per year. $2,500 maximum
benefits per
incident. |
Unlimited lifetime
benefits for accidents.
$36,000 lifetime maximum
benefits for
illness. $3,000 maximum
benefits per
accident or illness
category. |
$11,000 maximum
benefits per term.
$1,500 maximum
benefits per incident. |
$8,000 maximum
benefits per year.
$1,500 maximum
benefits per incident. |
$8,000 maximum
benefits per year.
Limit per incident
or illness is to policy
annual maximum. |
| Name & Cost |
Superior Plan: $22.50/ None.
month.
Premium increase as
pet ages. |
None |
Essential Plus: $38.42/
month.
Premium may
increase at renewal,
but not due to pet
aging. |
None |
Silver Select Breed:
Cost/ ded/ co-pay
$69.35 $50 10%
$61.86 $50 20%
$58.87 $100 10%
$52.55 $100 20%
Preminum increase
as pet ages. |
| Deductibles & Co-Pay |
$50 per incident deductible.
10 % co-pay
& a higher benefit
seems to allow 90%
of veterinary invoice. |
|
$125 annual deductible.
20% co-pay. |
|
Same as Plan One. |
| Limits & Benefits |
Unlimited lifetime
benefits. $14,000
maximum benefits
per year. $4,500 maximum
benefits per
incident. |
|
$11,000 maximum
benefits per term.
$3,000 maximum
benefits per incidence. |
|
$12,000 maximum
benefits per year.
Limit per incident
or illness is to policy
annual maximum. |
| Discounts |
5% two or 3 pets;
10% for 4 or more.
Microchipped: None. |
10% three or more pets.
Microchipped: 5%.
No discount for multiple pets.
Microchipped: None. |
10% two or more
pets in same plan.
Microchipped: None. |
10% two or more
pets.
Microchipped: 10%. |
Enroll online: 5%. |
| Benefit Schedule |
Available on website. |
States they do not
use restrictive benefit
schedule. |
States they pay
what is reasonable &
customary. |
States they pay
what is reasonable &
customary. |
States they pay what
is reasonable as
defined by American
Animal Hospital Association Veterinary Fee
Reference Guide. |
| Chronic Conditions |
Claims filed during
pet’s annual policy
not considered to be
pre-existing upon renewal.
At renewal another
deductible,but
benefit schedule allowance
& maximum
per incident starts
again. |
Cancer and other
chronic conditions
may be treated to
maximum incident
limit even if treatment
lasts longer
than a year. |
Chronic or ongoing
treatment at policy
renewal will be paid
until per incident
maximums of the
policy in effect at the
onset of illness are
reached. |
Chronic conditions
that occurred in the
previous year’s plan
may not be covered
at renewal. |
Chronic conditions
covered up to maximum
annual benefit
limit. This limit is reinstated
with renewal. |
Exclusions:
Pre-existing & wellness
care excluded
on all plans. Coverage
may be available
for additional cost. |
Spaying/neutering;
Breeding/pregnancy
& conditions related
to it. |
Spaying/neutering;
Breeding/pregnancy
costs. |
Spaying/neutering;
Any illness resulting
from not spaying/
neutering if recommended
by veterinarian.
Breeding/pregnancy
costs. |
Spaying/neutering;
Breeding/pregnancy
costs. |
Spaying/neutering;
Breeding/pregnancy
costs, except costs of
complications arising
from these procedures. |
| Exclusions: Orthopedic |
Many exclusions
listed. For example:
hip & elbow dysplasia,
osteocondritis
dissecans, aseptic
necrosis of femoral
head, cervical
vertebral instability,
patella luxation. ACL
not covered for the
first 12 months. |
No breed exclusions. |
Many exclusions
listed. For example:
hip & elbow dysplasia,
OCD, osteoarthritis,
spondylosis. |
Congenital or hereditary
disorders such as
hip dysplasia-specifics
not specified on
website or contract.
Two reference
books used; they are
mentioned in the
main article. ACL & its
diagnostic tests for
the 12 months. |
None. |
| Exclusions: Other |
Collapsed trachea,
ectropion/ entropion,
cataracts in dogs
under age 6, some
forms of dermatosis,
histiocytosis. |
If Demodex (after age
5) is diagnosed prior
to coverage then no
illness coverage will
be available. |
Entropion/ectropion,
congenital heart
problems, cardiomegaly,
diabetes. |
Multiple foreign
body ingestions in
one year. |
Any injury/ illness
that is same as, or
has same diagnosis
or clinical signs as
any injury, illness or
clinical signs your pet
had before the policy.
Any amount as a
result of obedience or
training classes. |
| Contact |
WEBSITE
1-888-899-4VPI |
WEBSITE
1-888-897-7387 |
WEBSITE
1-866-725-2747 |
WEBSITE
1-866-861-9092 |
WEBSITE
1-866-467-3875 |
