A Vet's Guide To Pet Insurance
Compare ASPCA Pet Insurance
Comparison Fact SheetTo get the most from these sheets, please read the Guide to Pet Insurance first.
| Company Info | |
| Company Name | Hartville Group, Inc |
| Also Known As |
Hartville Pet Health Insurance ASPCA Pet Insurance PetsHealth Care Plan Protect Your Bubble |
| Address | |
| Phone | Hartville Pet Health Insurance - 1-800-799-5852 ASPCA Pet Insurance - 1-866-861-9092 PetsHealth Care Plan - 1-800-807-6724 Protect Your Bubble - 1-855-792-7387 |
| Website | www.hartvillepetinsurance.com www.aspcapetinsurance.com www.petshealthplan.com us.protectyourbubble.com/pets-insurance/ |
| Plans That Provide Both Accident and Illness Coverage |
Level 2 Level 3 Level 4 * Some plan features may not available in all states. Contact the company to see which features listed are available in your state. |
| States Covered | All 50 states, including DC |
| Underwriter and AM Best Financial Strength Rating | Insurance underwritten by United States Fire
Insurance Company which has an AM Best Financial Strength Rating of
"A" and an Outlook of "Stable" as of 5/1/13. For the most recent ratings go to: AM Best and enter the name of the underwriter in the box labeled 'Text'. |
| Year Company Started |
ASPCA - 2006 Hartville and PetsHealth - 1997 |
| Policy Basics | |
| Policy Term | 12 months |
| Effective Date | The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted. They issue pet insurance certificates on the 1st and 15th of the month, so the effective date depends on the date you apply and payment is received. |
| Enrollment Age | Dogs must be at least 8 weeks old and less
than 13 years old Cats must be at least 8 weeks old and less than 15 years old |
| Cancellation Policy | Ask for a current copy of their insurance policy so that you may review their cancellation policy |
| Waiting Period | 30 days after the policy effective date for illness (this waiting period does not apply to all states) Routine care, if selected, and accident coverage begins as soon as your policy is effective 12 months after the policy effective date for cruciate injury |
| Waiting Period for Cruciate Injury | 12 months after the policy effective date |
| Coverage When Travel Out of State or Country? | Out of State Coverage - You WILL be covered while traveling to other states with your pet. Out of Country Coverage - You WILL be covered when traveling to Canada with your pet |
| Can the Price of the Policy Increase as my Pet Ages? | Yes, the policy premium can increase as your
pet ages. The premium may also increase due to inflation or other reasons.
Contact the company for more information on when and how your premium may increase. |
| Does Coverage Stop Due to Age? | No |
| What Happens when the Policy Renews? | If you do not purchase a plan that includes 'Continuing Care',
chronic conditions will only be covered in the policy year they are diagnosed. Level 2, Level 3, and Level 4 Plans have Continuing Care coverage for Chronic conditions. This coverage has monetary limits. (See the section: "Continual Coverage for Chronic Conditions") |
| Can the Price of the Policy Increase if a Claim is Filed? | No |
| Choice of Vet? | You can choose any licensed veterinarian in the US and Canada, but you must live in the US permanently to purchase a policy |
| Money Back Guarantee? | If you change your mind within 30 days they will refund your money in full as long as you have not filed a claim. |
| Surcharge for Visiting a Specialist or Emergency Clinic? | No |
| Referral needed to Visit a Specialist? | No |
| Pre-certification Required? | No |
| Additional Requirements | **See actual policy or call the company for a complete list of the requirements you are expected to adhere to in order to maintain coverage. |
| Pet Insurance Policy Available for Pre-Purchase Review? | Sample policy available online |
| What's Covered | |
| Species Covered | Dogs and Cats |
| Accident/Injury - Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications. |
| Illness Coverage - Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications. |
| Behavioral Therapy Coverage | [INCLUDED WITH CERTAIN PLANS] Has a maximum annual payout limit based on the plan you get. Level 3 Plan - Max Annual Payout - $150 Level 4 Plan - Max Annual Payout - $300 **See policy or call for additional limitations on Behavioral Therapy Coverage. |
| Alternative Therapy Coverage | [INCLUDED WITH CERTAIN PLANS] Has a maximum annual payout limit based on the plan you get. Level 3 Plan - Max Annual Payout - $150 Level 4 Plan - Max Annual Payout - $300 **See policy or call for additional limitations on Alternative Therapy Coverage. |
| Pre-existing Conditions Policy |
Pre-existing conditions are not covered. **See actual policy or call the company for complete description of pre-existing conditions. |
| Hereditary & Congenital Conditions Coverage | [INCLUDED WITH CERTAIN PLANS] Has maximum payouts limits based on the plan you get. Level 3 Plan Max Payout per Incident (max payout for each hereditary/congenital incident) - $500 Max Lifetime Payout (max payout for all hereditary/congenital conditions over the life of your pet) - $1,250 Level 4 Plan Max Payout per Incident (max payout for each hereditary/congenital incident) - $1,000 Max Lifetime Payout (max payout for all hereditary/congenital conditions over the life of your pet) - $2,500 **See policy or call for additional limitations on Hereditary/Congenital Coverage. |
| Continual Coverage for Chronic Conditions | [INCLUDED WITH CERTAIN PLANS] Continuing Care coverage covers conditions that need care across multiple policy periods. The coverage starts when your plan is reissued each year. Continuing Care coverage has a $100 annual deductible, a 20% copay, and maximum payouts limits based on the plan you get. Level 2 Plan Max Payout per Incident (max payout for each ongoing condition) - $1,000 Max Lifetime Payout (max payout for all ongoing conditions over the life of your pet) - $2,500 Level 3 Plan Max Payout per Incident (max payout for each ongoing condition) - $1,500 Max Lifetime Payout (max payout for all ongoing conditions over the life of your pet) - $3,500 Level 4 Plan Max Payout per Incident (max payout for each ongoing condition) - $2,500 Max Lifetime Payout (max payout for all ongoing conditions over the life of your pet) - $6,000 **See policy or call for additional limitations on Continuing Care Coverage. |
| Chronic Conditions Policy | Level 2, 3, and 4 plans include Continuing Care coverage for chronic conditions. They do not cover chronic conditions that are pre-existing or that occur during the waiting period. The Continuing Care coverage has its own deductible, copay, per-incident limits and lifetime limits. (See 'Continual Coverage for Chronic Conditions' section above) To be eligible for 'Continuing Care' coverage: At initial enrollment, dogs must younger than 9 years old and cats must be younger than 11 years old. **See actual policy or call the company for complete description of their Chronic Conditions Policy. |
| Cancer Coverage | [INCLUDED] Cancer conditions are covered if they are not pre-existing and have not occurred during the waiting period. Cancers that are considered to be hereditary or genetic may not be covered in plans that do not cover Hereditary/Congenital conditions. (See 'Hereditary/Congenital' and 'Chronic Conditions Policy' sections above) |
| Cancer Coverage Limits | To get Continuing Care coverage for cancer you must purchase the Level 2, 3, or 4 plan. They do not cover cancers that are pre-existing or that occur during the waiting period. The Continuing Care coverage has its own deductible, copay, per-incident limits and lifetime limits. (See 'Continual Coverage Policy' above) To be eligible for 'Continuing Care' coverage: At initial enrollment, dogs must younger than 9 years old and cats must be younger than 11 years old. Cancers that are considered to be hereditary or genetic may not be covered in plans that do not cover Hereditary/Congenital conditions. (See 'Hereditary/Congenital' section above) **See actual policy or call the company for complete description of their Chronic Conditions Policy. |
| Hip Dysplasia | [INCLUDED WITH CERTAIN PLANS] Has maximum payouts limits based on the plan you get. (See 'Hereditary/Congenital' section above) |
| Prescription Drug Coverage | [INCLUDED] **See actual policy or call the company for full list of inclusions and exclusions |
| Pregnancy Coverage | [NO] |
| Routine/Wellness Coverage | [OPTIONAL] Routine/Wellness coverage is available for an additional fee. It is an optional choice available with Level 3 and Level 4 plans only. There are two Routine/Wellness options to choose from: 1) Routine Wellness 2) Advanced Wellness **See actual policy or call the company for complete description of their Wellness Coverage |
| Vaccinations | [OPTIONAL] - See Routine/Wellness Coverage above for details |
| Spay/Neuter | [OPTIONAL] - See Routine/Wellness Coverage above for details |
| Dental Care (Routine) | [OPTIONAL] - See Routine/Wellness Coverage above for details |
| Dental Care (Illness/Accident) | [LIMITED COVERAGE] Coverage is limited to dental extractions associated with abscessed or broken teeth due to injury. They do not cover treatments related to dental diseases (e.g. gingivitis or periodontal disease). They do not cover extractions of deciduous teeth. They do not cover dental services such as endodontics, orthodontics, crowns, caps, and root canals. **See actual policy or call the company for full list of inclusions and exclusions. |
| Bilateral Conditions Policy | If your pet develops a Bilateral Condition before
your policy effective date or during the waiting period, it will not
be covered and if your pet develops the same condition on the opposite
side after the waiting period it will not be covered. For example
if a dog has been diagnosed with a cruciate tear in this left knee
before the effective date or during the waiting period, a cruciate
tear in the right leg will not be covered. Even if it happens after
the waiting period. Bilateral Conditions are considered one incident for purposes of the maximum payout per incident. For example: Let's say your dog gets a cruciate injury on left leg after enrolled and after waiting period. If your dog gets a cruciate injury on the right leg in the future, treatment for the right leg will only be covered up to the maximum payout per incident which must be shared with the left leg. **See actual policy or call the company for a list of medical conditions that are considered bilateral and for a complete description of their Bilateral Conditions Policy. |
| Coverage - Overview (please read policy for full coverage details) |
Diagnostics and treatments due to illness and accidents [Included] Cancer, Prescription Medications, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (included with certain plans; has monetary limits) (Refer to each category's section for limitations) [Optional] Behavioral Therapy (available with certain plans; has monetary limits), Alternative Therapy (available with certain plans; has monetary limits), Hereditary/Congenital Coverage (available with certain plans; has monetary limits), Routine/Wellness Care (available with certain plans), Routine Dental Care (available with certain plans) (Refer to each category's section for limitations) **See actual policy or call the company for full list of inclusions, exclusions, limitations and conditions. |
| What's not Covered - Overview (partial listing, please read policy for full details) |
|
| How The Policy Works | |
| Co-pay | 10% For Continuing Care conditions the copay is 20% (See 'Continuing Coverage for Chronic Conditions' section above) |
| Deductible | Annual deductible of $100, $250, or $500 For Continuing Care conditions the annual deductible is $100 (See 'Continuing Coverage for Chronic Conditions' section above) |
| Flat Deductible vs % Deductible | Flat |
| Deductible Per Incident vs Annual Deductible | Annual Deductible |
| How is Reimbursement Determined | UCR |
| Max Payout Annually | The base plans do not have an annual maximum payout. Alternative Therapy coverage does have annual payout limits. Behavioral Therapy coverage has annual payout limits. |
| Max Lifetime Payout | TThe base plans do not have a lifetime maximum payout. Continuing Care coverage does have lifetime limits. Hereditary/Congenital coverage has lifetime limits |
| Max Payout per Incident | Level 2 - Per Incident Limit $3,000 per policy period Level 3 - Per Incident limit $5,000 per policy period Level 4 - Per Incident limit $7,000 per policy period Continuing Care coverage has its own per incident limits. Hereditary/Congenital coverage has its own per incident limits |
| Max Payout Based on Body System | These companies do not have a maximum payout based on body system |
| Client Reimbursed or Vet Paid Directly | You pay the veterinarian and then you are reimbursed
after you file the claim. You can check a box on the claim form to have the reimbursement sent to your veterinarian but you still must pay your veterinarian in full at time of visit. |
| Pricing | |
| Approximate Monthly Costs | Approximately $7.50 - $89.00 depending on plan, species, age, breed, location, etc. |
| Additional Info | |
| Get A Quote | Get A Quote |
| My Review | ASPCA Review |
| What are Customers Saying? | PetInsuranceReview.com |
| Better Business Bureau | bbb.org |
| Additional Info | Any animal diagnosed with a chronic or terminal illness prior to the intended effective date of coverage is not eligible for illness coverage. Illnesses that fall under this category include but are not limited to: Cancer, Diabetes, Untreated Hip Dysplasia, Leukemia, Addison's Disease, Auto Immune Deficiency, Cushing's Disease, cardiac and renal conditions. |
*The information in the above charts does not apply Accident Only coverage. Please contact the company for details about their Accident Only Policy.
**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by calling the company or reading the most current policy. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.
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