Pets Are Part of Your Family
We Protect Pets Like Family!
Many people consider purchasing pet insurance coverage after their pet gets sick or injured.
We help people have piece of mind by offering affordable pet insurance endorsed by the ASPCA.
Our clients are very happy they purchased pet insurance before their pet got injured or sick!
After You Compare the ASPCA Plan to others comeback to Our Site To Get A Free ASPCA Quote
Pet Insurance: Is it worth it?
YES!
Pet insurance has great value because a pet insurance plan shares the financial risk associated with healthcare for a pet. Not every pet will suffer from an expensive illness or injury. However, unexpected illnesses and accidents do happen to pets and their families every day, and they can be expensive.
Having your pet(s) insured will provide you with piece of mind. If your pet becomes sick or injured in an accident, you will not have to worry if you can afford to take them to the vet. It will also eliminate having to worry about spending $10,000 or $20,000 in vet bills if a major illness occurs. The earlier you have your pet(s) insured, the more you will save because most pet insurance premiums increase as your pet gets older. In addition, once an accident happens or your pet develops a preexisting medical condition, insurance for your pet may not be available.
Also, consider the rising cost of veterinary care. The level of care is constantly increasing as new technologies become available to local veterinarians. As a pet owner, you understand a visit to a vet may include a thorough examination, lab tests, x-rays, consultations, surgery, and medication. These days, many vet hospitals and clinics also offer laser equipment, digital x-ray technology, ultrasound, chemotherapy and more.
There is no cost to get a quote for how much the insurance will cost. Getting a quote will allow you to see how affordable Pet Insurance can be.
We offer a plan that's right for you and your pet
You can cover your pet for accidents, illnesses, preventive care, hereditary and congenital conditions, behavioral issues, and more. You can also get reimbursed up to 90% of covered veterinary costs,* and you can visit any licensed vet—even specialists!
The best part is, you get to choose the coverage and deductibles that are right for you.
How much does pet insurance cost?
Your pet insurance premium will depend on a few factors, like the options you choose, your geographic area, and the breed and age of your pet.
You can also save on your auto and/or homeowners insurance with us through Safeco.
We believe in and support the work animal rescues and shelters provide to their communities.
We also know how hard it is to raise funds and keep a non-profit going.
When you allow us to implement a pet insurance program with your non-profit, your supporters who purchase pet insurance from your custom link will benefit from having a quality, comprehensive pet insurance plan and we will donate a percentage of our proceeds to your organization.
Nearly 70% of companies plan to offer pet insurance as a voluntary benefit in the next 12 to 24 months.+ Are you one of them?
About 65% of households in the United States have a pet.
US pet parents spend $15 billion on vet care in a year+
Even if you only have 5 employees you can offer our program as a voluntary benefit and allow your employees to receive a 10% discount*
Why an ASPCA® / Hartville Pet Health Insurance Plan through IMCpetinsurance.com?
There are many different pet insurance plans available in the market today. Each plan has various benefit options, exclusions, limitations and pricing. We wanted to make it simple and offer one insurance program to individuals and families that allows you to choose the limits, deductibles and coverage options that meet your specific needs.
The ASPCA® / Hartville Pet Health Insurance Program is underwritten by United States Fire Insurance Company which has an A rating from the AM Best Company.
Hartville Pet Insurance Group is also one of the oldest and largest pet insurance providers in the US.
In 2006, the American Society for the Prevention of Cruelty to Animals® (ASPCA®) chose Hartville as its only strategic partner for pet insurance. Hartville is committed to pet health and to upholding the ASPCA®’s standards for the humane treatment of animals.
The ASPCA® was founded in 1866 as America's first animal welfare organization. Since the ASPCA®’s inception, they’ve been fighting animal cruelty and promoting a better life for people and animals alike. The ASPCA® sees pet insurance as an important way to help pet parents afford the medical care their pets need.
Through this relationship, Hartville designed pet insurance coverage consistent with the ASPCA®'s beliefs. For example, they cover spaying and neutering in support of the ASPCA®'s position on population control and reproductive health. They do not cover treatments opposed by the ASPCA®, like tail docking, ear cropping, or declawing.
In addition, when you purchase your pet insurance through Insurance Management Corporation's (IMC) IMCpetinsurance.com division, IMC donates 10% of its proceeds to 501(C)3 Non-Profit animal rescues and shelters.
Top 5 ASPCA® Pet Insurance Advantages
1. Get reimbursed up to 90% of covered veterinary charges.*
Their reimbursements are based on your actual veterinary bill. They aren’t limited by a benefit schedule, which pays a fixed amount per diagnosis, regardless of the treatments your pet needs. They also don’t exclude your veterinarian’s exam fee.
2. Enjoy a 30-day money-back guarantee.
ASPCA/Hartville wants you to be totally comfortable with their pet insurance, so they have a 30-day money-back guarantee as long as no claims are covered. This way, you can take some time to make sure their pet insurance is right for you while your pet is protected.
3. Choose from preventive care options.
They are committed to pet health, which is why they offer reimbursement on some of the services that keep your pet healthy, such as vaccines, spaying or neutering, a yearly exam, an annual dental cleaning, flea and heartworm medication, and more.
4. Save 10% by insuring multiple pets.++
You can save 10% when you protect more than one pet with their pet insurance. Just start a free quote by telling us about your first pet, then add your next pet. Discounts will be applied automatically. If you're an existing customer, you can add a pet online in the Member Center.
5. Avoid per incident deductibles.
They have an annual deductible, which only needs to be met once a year per pet, no matter how many incidents occur. In contrast, per incident deductibles require you to pay a new deductible for every single injury or illness, which can really add up. You can also customize your annual deductible or reimbursement percentage options to fit your budget.
It’s quick and easy to find out how much it would cost to help protect your pet with pet insurance. Plus, you can enroll online in a snap when you're done – or save your quote and enroll later on.
6 Myths About Pet Insurance
MYTH #1 - “A pet health savings account is enough.”
Unfortunately, pet medical emergencies never happen when you expect them, and you may not have enough time to save. You also can’t predict how much treatment will cost to know how much money you need to set aside. Plus, one accident or illness could wipe out all of the funds in your savings account.
MYTH #2 - “Pet insurance is too expensive.”
Pet insurance can be very affordable, and there are many options today to customize your premium. In fact, here are 5 easy ways to save on ASPCA Pet Health Insurance. Your premium will depend on a few factors, like the coverage options you choose, your geographic area, and the breed and age of your pet. Start a free quote now to see your rates.
MYTH #3 - “I can't go to the veterinarian of my choice.”
With ASPCA Pet Health Insurance, you can visit any licensed veterinarian of your choice in the US or Canada, plus any emergency hospital and specialist. There are no networks, and you don’t need any pre-approvals. Your veterinarian doesn’t have to “accept” pet insurance in some way for your pet’s treatments there to be covered.
MYTH #4 - “There are too many exclusions.”
All pet insurance plans have some exclusions. For example, they all exclude pre-existing conditions, which are conditions that exist before coverage begins. However, the ASPCA Pet Insurance Program thought carefully about their exclusions to provide the right amount of coverage for the right price. Review the "what’s not covered" section in their sample plans for more details.
MYTH #5 - “I can't get coverage because my pet has a pre-existing condition.”
It's true that pet insurance plans don't cover pre-existing conditions, though you typically can still enroll your pet for coverage. After all, while the pre-existing condition may not be covered, you can still be prepared if something else happens. Start a free quote now to see your options.
MYTH #6 - “It’s hard to submit a pet insurance claim.”
Hartville works hard to make sure that part is easy! You can file a claim online any time in the Member Center. Or, if you prefer, you can email, fax, or mail a completed claim form and itemized invoice directly to the carrier. The form is simple and doesn’t require your veterinarian’s signature. You will be notified by email as your claim is processed. You can also track the status of your claims in the Member Center.
