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ASPCA
Deductible Range Options Available
$100, $250, $500
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage-Accident & Illness
Yes
Coverage-Accident Only
Yes
Annual Limits Options Available
$5,000, $10,000, $15,000, $20,000, Unlimited
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 days
Other Special Waiting Period(s)
Pre-Existing conditions may be covered if they are 180 days cured and treatment free, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
General Coverage Exclusions
Yes
Wellness Coverage Offered
Yes by optional endorsement at an additional cost
Examination Fees Covered
Yes
Other Specified Exclusions
Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period
Underwritten By
Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company.
Hartville
Deductible Range Options Available
$100, $250, $500
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage-Accident & Illness
Yes
Coverage-Accident Only
Yes
Annual Limits Options Available
$5,000, $10,000, $15,000, $20,000, Unlimited
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 days
Other Special Waiting Period(s)
Pre-Existing conditions may be covered if they are 180 days cured and treatment free, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
General Coverage Exclusions
Yes
Wellness Coverage Offered
Yes by optional endorsement at an additional cost
Examination Fees Covered
Yes for accidents & illnesses
Other Specified Exclusions
Bilateral Knee exclusion if either knee or both had a problem prior to the first policy period
Underwritten By
Products are underwritten by the United States Fire Insurance Company, produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company.
Healthy
Deductible Range Options Available
$100, $250, $500, $750, $1,000
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
50%, 60%, 70%, 80%, 90%
Coverage-Accident & Illness
Yes
Coverage-Accident Only
No
Annual Limits Options Available
No Limit
Accident Waiting Period
15 days
Illness Waiting Period
15 days
Knee - Cruciate Damage/Tear Waiting Period
15 days
Other Special Waiting Period(s)
12 months for hip dysplasia
General Coverage Exclusions
Yes
Wellness Coverage Offered
No
Examination Fees Covered
No
Other Specified Exclusions
Bilateral Cruciate Exclusion / Hip Dysplasia pets over 6 years at enrollment
Underwritten By
Policies are underwritten and issued by ACE American Insurance Company, Indemnity Insurance Company of North America, ACE Property & Casualty Insurance Company, Atlantic Employers Insurance Company, Westchester Fire Insurance Company, members of the Chubb Group.
Petfirst
Deductible Range Options Available
$50, $100, $250, $500
Annual or Per Incident Deductibles
Both Available depending on Underwriter
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage-Accident & Illness
Yes
Coverage-Accident Only
No
Annual Limits Options Available
$2,000, $5,000-$10,000, $20,000, Unlimited depending on underwriter
Accident Waiting Period
14 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
1 Year
Other Special Waiting Period(s)
1 year for IVDD
General Coverage Exclusions
Yes
Wellness Coverage Offered
No
Examination Fees Covered
Yes
Other Specified Exclusions
No
Underwritten By
PetFirst Healthcare, LLC is the program administrator authorized to underwrite and administer pet health insurance policies and claims on behalf of New Hampshire Insurance Company (NHIC), The Insurance Company of the State of Pennsylvania (ISOP) or Independence American Insurance Company a Delaware insurance company in approved states.
Petplan
Deductible Range Options Available
$250 - $1,000
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage-Accident & Illness
Yes
Coverage-Accident Only
No
Annual Limits Options Available
$2,500; $5,000; $10,000; $15,000; $20,000; $25,000; unlimited
Accident Waiting Period
5 days
Illness Waiting Period
15 days
Knee - Cruciate Damage/Tear Waiting Period
6 months; Can be waived if your pet is examined by a veterinarian within the first thirty (30) days of the policy and the medical record specifically notes your pet does not have any pre-existing conditions relating to the knees
Other Special Waiting Period(s)
Curable pre-existing conditions
General Coverage Exclusions
Routine care; wellness care; pre-existing conditions
Wellness Coverage Offered
No
Examination Fees Covered
Yes
Other Specified Exclusions
none
Underwritten By
Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and underwritten by XL Specialty Insurance Company and AGCS Marine Insurance Company, a member of the Allianz Group, in the U.S. and XL Specialty Insurance Company - Canadian Branch in Canada.
Pets
Deductible Range Options Available
$50-$1,000
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage-Accident & Illness
Yes
Coverage-Accident Only
Yes
Annual Limits Options Available
$5,000 or Unlimited
Accident Waiting Period
3 days
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
6 months
Other Special Waiting Period(s)
No
General Coverage Exclusions
Yes
Wellness Coverage Offered
Yes with endorsement
Examination Fees Covered
Yes, included with accident only and BestBenefit Elite and Plus options
Other Specified Exclusions
Bilateral / Approved Formulary
Underwritten By
Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company
PetsPlusUs
Deductible Range Options Available
0-5 Years $100, $200, $300 / 5-10 Years $300, $400, $500 / 10+ Years $500, $600, $700
Annual or Per Incident Deductibles
Annual
Co-Insurance Range Options Available
70%, 80%, 90%
Coverage-Accident & Illness
Yes
Coverage-Accident Only
Yes
Annual Limits Options Available
$7,500 & $15,000
Accident Waiting Period
48 hours
Illness Waiting Period
14 days
Knee - Cruciate Damage/Tear Waiting Period
14 days
Other Special Waiting Period(s)
Additional Benefits 48 hours
General Coverage Exclusions
Routine care; wellness care; pre-existing conditions
Wellness Coverage Offered
Yes (with Flex Care)
Examination Fees Covered
Yes
Other Specified Exclusions
Bilateral conditions
Underwritten By
Pet insurance products are underwritten by Northbridge General Insurance Corporation and are distributed by PTZ Insurance Services Ltd. & Sodaco Juridique Inc. in Quebec.