Provider Year Began Pets Insured as of Licensed to provide pet Licensed to provide pet # Claims Filed
Founded Selling Dcember 2006 insurance in U.S.? insurance in Canada? Annually
The Hartville Group Inc.* 1997 1997 Approx. 30,000 All 50 states and D.C. No Approx. 40,000
Pet Partners Inc. 2002 2003 Information not All 50 states and D.C. No Information not
(in USA) (in USA provided provided
Pethealth Inc. 1998 1999 Approx. 150,000 D.C., and all states except Alaska All 10 provinces 100,000+ in North
Embrace Pet Insurance 2003 2006 Under 1,000 All states except OR, UT, WA and No - but will cover Information not
D.C. veterinary costs incurred provided
in Canada/ Mexico if
insured pet requires care
Pets Best Insurance 2004 2005 10,000 All 50 States and D.C. (by 12/31/ Yes 2006 figures not
Petplan Insurance 1989 1989 42,758 No Yes 50,000
Veterinary Pet Insurance DVM 1980 1982 404,784 All 50 states and D.C. No 750,000
Insurance Agency (VPI)
PetFirst Healthcare 2004 2005 Information not Yes, in 41 states as of Dec. 2006. No Information not
provided Excetptions: Alaska, Connecticut, provided
Massachusetts, Minnesota, North
Carolina, North Dakota, Virgina
Vetinsurance 1999 1999 Information not No, as of Dec. 2006 Yes Information not
*In partnership with the Hartville Group, which provides nationally distributed pet health insurance plans such as the Petshealth Care Plan, the ASPCA recently
announced the launch of ASPCA Pet Health Insurance. More information available at www.aspcapetinsurance.com
**Pethealth inc./PetCare offers the following pet insurance policies using a combination of its own brands, private labeled, white labeled and co-branded programs:
PetCare Own Brands: PetCare Pet Insurance; ShelterCare Pet Insurance; QuickCare for Life; ShareCare; QuickCare Pet Insurance. White Labeled Program:
Union Plus Pet Insurance. Co-Branded Programs: PETCO; MetLife. Private Labeled Program: HEB (Texas only).
Note: PetCare figures indicated in this table are consolidated figures for all of the corporation's brand names.
Note: This data was collected and finalized in December 2006. Our table does not include information about services or availability projected to occur in 2007. Be
sure to check with individual providers for the most current information about their offerings.
Address Phone Website Average Claim Average Annual Pet Owner Co-pay
3840 Greentree Ave. SW, 800-807-6724 www.petshealthplan.com Within 15 days of $100 20%, after the $100
Canton, OH 44706 receipt of necessary annual deductible
PO Box 37940, Raleigh, NC 866-725-2747 www.akcphp.com 15 days 60-Day Trial: 60-Day Trial: 20%
27627-7940 Complimentary for people Essential: 10%
who register a dog with the Essential Plus/
AKC if they enroll within 28 Wellness/
days of registration. $100/ Wellness Plus:
policy term. Essential: 20%
$125 per incident.
Wellness Plus: $125
710 Dorval Drive, Suite 400, 877-738-4584 www.petcareinsurance.com Processed before No annual deductible. Per 0-30% depending
Oakville, Ontario, L6K 3V7, www.sheltercare.com client leaves the incident deductible: $100 on plan
Canada www.unionpluspets.com practice if filed using average
www.qcforlife.com online claims form.
www.sharecare.com Otherwise, within 7
www.petcarepals.com days (average) of
www.metlifepets.com receiving necessary
767 Beta Drive, Suite B, 440-484-2260 or www.embracepetinsurance.com 10 days $100, $200 or $500 per 10%, 20% or 35%,
Mayfield Village, Ohio 44143 800-511-9172 annum, depending on plan. depending on plan.
No per-visit or per-condition
2710 Sunrise Rim Road, Boise, 877-738-7237 www.petsbest.com 3-8 days $75 or $200 per incident 20%
200-1200 Portage Avenue, 800-268-1169 www.petplan.com 5 days $100 20% Exception:
Winnipeg, MB R3G OT5, Claims Risk
P.O. Box 2344, Brea, CA 800-USA-PETS www.petinsurance.com 30 days VPI Standard and 10%
92822 Superior Plans: $50 per
350 Missouri Avenue, Suite 866-937-PETS www.petfirst.com 5 calendar days $50 per incident 10%
100, Jeffersonville, IN 47130
485 Bowen Island Trunk Road 800-930-1019 www.vetinsurance.com 10 business days No deductible. Client pays 10%
Bowen Island, BC, Canada for examination, usually
Premiums Raised Preventative Care Preexiting conditions Pets Covered Cap on Coverage?
As pet ages Undercertain plans. Not No Dogs & cats Yes.Accident Only: $2,500 per incident;
covered on Accident $8,000 per year. Primary/Basic: $1,500 per
Only or Basic plans incident; $8,000 per year. Advantage/Value:
$3,500 per incident; $11,000 per year.
Premier/Choice: $5,000 per incident;
$13,000 per year. Best: $2,500 per incident;
$13,000 per year.
Surcharges applied when pet Yes No Dogs & cats Yes. 60-Day Trial: $500 per incident; $1,500
reaches age 12. policy term. Essential: $1,500 per incident;
$11,000 per policy term. Essential Plus:
$3,000 per incident; $11,000 per policy term.
Wellness: $5,000 per incident; $13,000 per
policy term. Wellness Plus: $5,000 per
incident; $13,000 per policy term.
Policies are 1-year term; No No Dogs & cats Yes. Most plans have per incident coverage
premiums do not change cap, rather than annual cap or lifetime
during that period. New accident coverage cap. Exceptions: lifetime
premium rates may apply at illness cap on QuickCare Plus for Cats
renewal. ($15,000); QuickCare Gold ($30,000 cats;
$36,000 dogs); QuickCare Preferred ($60,000
cats; $60,000 dogs)
As pet ages No No. Exceptions: A) Will rimburse Dogs & cats Yes. $2,000, $5,000 or $10,000 on annual
a condition that was a)not a maximum, depending on plan veterinary bill.
chronic condition known by the
owner or b) had not appeared in
the 12 months prior to the policy
start date. B) A condition that
was excluded in a prior policy
period can become included
afterwards if it's not a chronic
As pet ages. Exception: May Yes. Exception: condition andto two appear in the Dogs & cats
Yes. Limited didn't ailments. Yes. Either $2,500 or $7,000 per incident and
purchase Lock-in-Rate that Accident-Only policy prior policy period. $42,500 and $100,000 lifetime.
locks the premium amount
until after the 12th birthday
(cats) or 8th birthday (dogs)
Annual inflation increase Yes. Exception: No. Exception: Coverage may be Dogs & cats Yes. PetMedic Accident: $2,000 per
Covered under allowed following review period incident. PetMedic Select: $2,000 per
Champion Plan only incident for accidents or per condition for
illnesses. Standard: $2,000 per condition,
annually. Ribbon: $4,000 per condition,
annually. Medallion and Champion:
As pet ages Yes. Offered with the No. Exception: May be allowed if Dogs, cats, birds and Yes. VPI Standard Plan: $2,500 per
Vaccination & Routine condition has been deemed cured exotic pets. VPI incident, per term; $9,000 per policy term.
Care Coverage by a veterinarian. Support Standard and VPI VPI Superior Plan: $4,500 per incident, per
documentation required. Superior: Dogs & term; $14,000 per policy term.
cats VPI Avian and
Exotic Pet Plan:
Birds and exotics
Fixed until the renewal period Yes. Routine Care No Dogs & cats Yes. Basic: $1,500 per incident; $4,500
after the dog or cat turns 10 Coverage offers $220 of annual. Preferred: $2,500 per incident;
years old routine care $9,000 annual. Preferred Plus: $3,500 per
incident; $12,000 annual.
Increases only as a result of No No Dogs & cats $15,000 (CAD) lifetime
Veterinarians/practices Policyholders pay at Cost of Multiple Plans
responsible for time of service? Premium Offered?/# of Plans
Signing completed claim Yes Varies by Yes/4
Completing diagnosis and Yes Varies by Yes/4
treatment portion of claim plan
If practices use online claims Yes-with caveats. If Varies by Yes/12 (Note: two plans,
processing, no paperwork practices use on line plan QuickCare for Life-
required. Otherwise, claims processing, Accidents and
attending veterinarian policyholders to pay the QuickCare for Life-
responsible for veterinarian deductible and any Accidnets and Illnesses,
portion of the claim form. uncovered portion of the are offered by PetCare in
treatment at the time of Florida and
service. Otherwise, Massachusetts only and
policyholders pay all are offered in Texas
charges at time of care. exclusively by HEB)
Providding a brief description Yes Varies by Yes/108 combinations
of the condition and sighning plan posible based on
the claim form. Optional: Pre- customer selections.
certification form for certain
procedures in non-
emergency situations (MRI,
CT scans, and when
treatment is anticipated to
Providing a paid receipt for Yes. Exception: Provider Varies by Yes/3
services rendered, medical will pay practice directly plan
records if requested for for covered services if
claims. (Practices receive requested.
$15 reimbursement for
Providing medical records for In most cases Varies by Yes/6
underwriting some policies; plan
completing certain portions
of cliam forms; maintianing
No requirements Yes Varies by Yes/3
Signing and adding date to Yes Varies by Yes/4
claims forms plan
Veterinarians fill out free 30- Yes Puppy/Dog: No
day trial certificate & fax to $357.40
Vetinsurance; also, (CAD);
complete claim forms as Kitten/Cat:
necessary. NOTE: $243.00
Veterinarians must fax fully (CAD)
completed free trial
certificates within 24 hours
to be valid.