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Pet Insurance:

to buy or not to buy, that is the question!

by Rhoda Hartmann

A Comparison of Five Selected Pet Insurance Programs

  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





reprinted from NewfTide

 

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