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Compare ASPCA and VPI Pet Insurance


The main difference between these two insurers is that VPI uses a benefit schedule to determine how much money you will get back, while ASPCA pays a percentage of the usual and customary charges for the treatment.

(Explainer: a benefit schedule is a list of pre-determined limits. For example, the benefit schedule may set the maximum you get back for an ACL tear at $800.)
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Money
Reimbursement
Amount

(after deductible is met)
90% of the usual & customary charges for the treatment Determined by a benefit schedule
Payout Caps Per incident limit of %2,500 - $7,000 Annual limit of $7,000 - $14,000
Deductible $100, $250 or $500 per year $100 - $1000 per year
Monthly Cost $8 - $80 $12 - $60
Limits
Age Limits
(limits are before signing up.
Once enrolled, pets can stay insured regardless of age.)
More than 8 weeks, less than 13 years for dogs or 15 years for cats. More than 6 weeks, less than 10 years
Waiting Period 30 days after date on policy 14 days after date on policy (one year after for cruciate ligament injuries and hereditary conditions)
Not Covered Pre-existing conditions . Congential and hereditarty conditions not covered on some policies. Pre-existing conditions and congenital conditions
Extras
Routine Care/
Wellness
Yes, with purchase of wellness coverage for extra fee Yes, with purchase of wellness coverage for extra fee
Alternative/
Holistic
Yes, under certain plans No
Pet Meds Yes, if prescribed for illness or accident Yes, if prescribed for illness or accident
Dental Not for routine dental care. Dental accidents are covered, dental illness is not covered. Routine dental coverage may be under an optional wellness package. Dental accident/illness is covered.


Compare VPI to other insurers:

  • Pet Plan
  • Trupanion
  • Embrace
  • Healthy Paws
  • Pets Best
  • ASPCA



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