ASPCA Pet Health Insurance

ASPCA Pet Health insurance is underwritten by United States Fire Insurance Company and offered by the Hartville Group, Inc. ASPCA® (American Society for the Prevention of Cruelty to Animals) which has a long history and was America’s first animal welfare organization. It was founded by Henry Bergh in 1866 in order prevent animal cruelty. Hartville is dedicated to pet health and adhering to the ASPCA®’s norms for the humane treatment of animals.

Hartville Group/ASPCA Policy Information
Canton, Ohio
Cats and Dogs (at least 8 weeks – 13 years old).

Four different policies for cats and dogs. All four plans offer a reimbursement of 90% of all vet bills.

Level 1:
• Ongoing Conditions (e.g. allergies, cancer or diabetes)
• Accidents
Level 2– includes all of the above and:
• Illnesses
Level 3– includes same as level 1 and 2, as well as:
• Hereditary and congenital diseases
• Alternative therapies
• Behavioral treatments
Level 4– includes same as level 1 and 2, as well as:
• More benefits

Not included
• Pre-existing conditions
• Inhumane treatment
• Breeding
• Pregnancy
• Grooming
• Special foods or nutritional supplements
• Alternative therapies
• Foreign object ingestions (if more than once per policy term)
• Dental injuries (unless resulting from accident or injury)
Any Vet?
Policy Duration
12 months

Annual Deductibles ranging from $100, $250, $500.

Coverage Pricing

Starts at $7.50/months. Price depends on level chosen, breed, location, age, etc. Plans don’t have a maximum or lifetime payout, but have maximum incident payouts depending on the level.

Level 2 Incident Limit $3,000
Level 3 Incident limit $5,000
Level 4 Incident limit $7,000
Co-Pay: 10%

Additional Information
The ASPCA is also dedicated to other programs such as animal poison control which helps pet owners if their pets ingest toxic substances. They’ve also established spay/neuter clinics, pet loss support services, an Animal Behavior Center and the Bergh Memorial Animal Hospital. Moreover, the ASPCA supports programs which put an end to unnecessary euthanasia of adoptable pets and fights for any kind of pet-positive national legislation. Includes a 30-day trial.
–coming soon!–

Affordable Pet Care

Caring for a pet is expensive, and veterinary bills account for a large portion of the cost of pet ownership. Even for healthy dogs and cats, yearly medical costs average between $160 and $260 according to the American Society for the Prevention of Cruelty to Animals. For pets with chronic illnesses, costs are considerably higher, and a single accident or catastrophic illness can result in a veterinary bill totaling hundreds or thousands of dollars. Fortunately, several types of programs, including pet insurance and insurance alternatives, exist to help owners afford veterinary care for their pets.

What Is Pet Insurance?
Pet insurance reimburses you for a portion of your pet’s medical bills in the event of an unforeseen illness or injury to the animal. Unlike most human health insurance plans, most pet insurance plans require you to pay upfront for the care your pet receives. Once you have paid the bill, you can submit a claim to your insurance company. The company then pays you back a portion of the money you spent to treat your pet. Plans vary in the amount of coverage they provide and the types of conditions covered.

Banfield Pet Hospital
According to their website Banfield operates a chain of pet hospitals associated with PetSmart stores. These hospitals offer plans designed to help consumers afford preventative care for their pets. Unlike most pet insurance plans, these plans are not intended to help people afford the unexpected costs incurred when their pets become ill or are injured. While Banfield’s plans do provide discounts on most health services, these plans are primarily intended to help with routine care including vaccines, health screenings, parasite prevention services, dental care and other preventative procedures.

Pet Assure
According to their website Pet Assure is a discount plan for veterinary care. All pets, regardless of age and health status, are eligible to be enrolled in the program, and the plan has no exclusions. Owners of enrolled pets receive a 25 percent discount on all veterinary services from participating veterinarians and a 5 to 35 percent discount on pet services and supplies from the company’s network of online vendors. While Pet Assure is marketed as an insurance alternative, consumers do not have to choose between it and traditional pet insurance plans. Pet Assure can be used in addition to pet insurance.

Insurer Disclosure Of Important Policy Provisions

Please read below for important information to help you understand our coverage. Keep in mind, we will not reduce coverage or increase premium due to claims history.

We use certain terms in our policy documents and want to make sure you understand how they are used. Following are some common DEFINITIONS.

  • Pet Insurance– means an individual or group insurance policy that provides coverage for Veterinary expenses.
  • Pre-existing condition– means any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the effective date of a pet insurance policy or during any waiting period.
  • Reimbursement Percentage– means co-insurance.Veterinarian- means an individual who holds a valid license to practice veterinary medicine from the Veterinary MedicalBoard pursuant to Chapter 11 (commencing with Section 4800) of Division 2 of the Business and Professions Code or other appropriate licensing entity in the jurisdiction in which he or she practices.
  • Waiting Period– means the period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy can begin.

Coverage for the following conditions will be EXCLUDED.

  • Pre-existing condition: Pre-existing conditions are not covered by our plans. However, a condition will no longer be considered pre-existing if 180 days have passed since the pet’s condition was cured and free from treatment and symptoms.

Other exclusions apply. Please refer to the exclusions section of the policy (What Is Not Covered) for more information.

  • Waiting Periods
    There are WAITING PERIODS that apply before certain coverages are effective. On TOTAL COVERAGESM, a 14 day illness waiting period applies to the first policy period. Diagnosis and treatment for ligament and knee conditions are subject to a 14 day waiting period on all policies. Conditions that occur during a waiting period are considered pre-existing.

  • Policy Limits
    Reimbursement of covered expenses is subject to the annual policy limit you select at enrollment and is listed on your declarations page.

Please continue reading for information on Claims, Deductibles, Reimbursement Percentage and Deductible.

We offer a choice of annual deductible options. The annual deductible applies to each policy period. We subtract that deductible amount from the covered expenses before calculating your reimbursement percentage.

  • Reimbursement Percentage
    We offer a choice of reimbursement percentage options. After the deductible is met, you are responsible for your portion of the covered expenses in addition to any amounts not covered by the policy. We then pay our portion of the covered expenses subject to the annual limits.

  • Determination of Claim Payouts
    Our coverage provides reimbursement up to the applicable annual limit for the actual costs for covered expenses that you incur during the policy period, after subtracting your deductible and applying the reimbursement percentage, listed on the declaration page.

    Preventive benefits are paid according to the schedule of benefits provided with the policy, if applicable, and are not subject to a deductible or reimbursement percentage. See below for a list of available benefits.

  • Preventive Care optional endorsement
    Reimbursements are up to the lower of the amount listed or charged. Some benefits are specific as noted.

Preventive Care OptionsBasicStandardPrime
Dental Cleaning$100$0$0
Dental Cleaning OR Spay/Neuter)$0$150$175
Wellness Exam$50$50$50
FVRCP Vaccine/Titer (Cats), DHLPP Vaccine/Titer (Dogs)$20$25$25
Rabies Vaccine/Titer OR FIP Vaccine/Titer (Cats),
Lyme Vaccine/Titer (Dogs)
Fecal Test$20$25$25
FELV Test (Cats),
Heartworm Test (Dogs)
Health Certificate$0$25$25
Heartworm/Flea Prevention$0$0$50
FELV Vaccine/Titer (Cats),
Bordetella Vaccines/TIter (Dogs)
Blood Test$0$0$25

Optional Preventive Care

When signing up for our plans, you have the opportunity to add-on to your plan one of our Preventive Care Options for wellness Visits. The options are Basic Preventive Care or Prime Preventive Care. Our Preventive Care coverage options allow you to get reimbursed up to a scheduled annual amount for specific preventive care treatments. Plus, you do not have to meet a deductible first or satisfy your reimbursement percentage. Click here to compare our plans!

Basic vs Prime Preventive Care Options for Wellness Visits

See below to compare the benefits of the Preventive Care Options for wellness Visits. The Basic Care Option costs $9.95 per month. PetPremium will reimburse you up to $250 per year. In addition PetPremium offers the Prime Preventive Care option, which costs $24.95 per month.

Pick the right Preventive Care option to meet your pet needs! See the items which are covered, in below overview.

Preventive Care OptionsBasicPrime
Dental Cleaning (Dogs and Cats),
(If Prime; OR Spay/Neuter)
Wellness Exam
DHLPP Vaccine/Titer (Dogs), FVRCP Vaccine/Titer (Cats)
Rabies Vaccine/Titer OR Lyme Vaccine/Titer (Dogs),
Rabies Vaccine/Titer OR FIP Vaccine/Titer (Cats)
Fecal Test
Heartworm Test (Dogs)
FELV test (Cats)
Health Certificate
Bordetella Vaccine/Titer (Dogs),
FELV Vaccine/Titer (Cats)
Flea/Heartworm Prevention
Blood Test


How to Build a Bond with Your Dog That Will Last Forever?

The bond we share with our dog is special; we are drawn to our dog as they are drawn to us. Dogs provide us with excellent companionship and unconditional love. They also provide us with health benefits including lowering our blood pressure and keeping us more active. We even have dogs who assist those with developmental and physical disabilities. There is no denying dogs are truly a man’s best friend; but how can we make this bond stronger?

Bond with Your Dog

Karen Goldberg, for example, has gained an extreme bond with her animal companion. In an interview about her pet, she explained that her Golden Retriever, Romeo, is her baby. Time is a crucial component in developing a deep bonded relationship with your pet. Ms. Goldberg lives alone and works from home keeping constant company to her lovely Golden. Her amazing relationship with him has inspired her to write several songs about it. She went on to discuss her extreme love and bond with her pet and how he has respect of her boundaries which have been set through a loving and deep connection.

The bond with your dog begins the day they come into your life and it simply grows from there. You may not think about it at the time, but you can provide your dog with a number of bonding opportunities including grooming, playing and simply spending time. Throughout his life, playing through several minutes or daily grooming are simple acts which can bring your dog closer to you.

A deep connection will also assist you in training your dog as there is likely a clearer line of communication between the two of you. A clear line of communication is crucial throughout training. After all, if they do not understand how you are communicating and you do not understand how they are communicating, how will they be trained properly?

Activities with your Pet

A deep connection will allow you to understand your dog better. One of my prior clients, an English springer spaniel mix, was developing problems with several forms of anxiety. With additional attention given to the dog and certain measures, we were able to get her back on track and her behavioral problems had significantly improved. With additional attention given to the dog and certain measures, we were able to get her back on track and her behavioral problems had significantly improved. Implementing a daily grooming routine and taking an hour out of each day to play were among the measures to develop trust and increase the bonding opportunity between pet and pet parent.

There are also other instances where the sense of trust between the dog and owner can assist in reducing behavioral problems. For example, dogs that are afraid of thunderstorms may even begin to react with anxiety before the storm hits due to their sense of the storm’s arrival. Petting your dog, if well-bonded, could significantly reduce this fear throughout the storm. This simple action releases oxytocin, the happy hormone. If your dog is well-bonded, he will release oxytocin while petting him throughout the storm which is likely to reduce his fear throughout the noise.

De-sensitizing your dog via training will also increase your bond and decrease the fear. Desensitizing means introducing your dog to other random noises; for example, bringing your pet to the gun range will assist your dog with her fear of noises. Hunting dogs are often not afraid of thunder due to being exposed to noise in unexpected times.

De-sensitizing your dog

Well-bonded dogs also make excellent work dogs and companions. One excellent example of a very bonded dog which makes an excellent working dog is the K-9 German Shepherd used in Police K-9 Units. The bond between officer and k-9 is developed deeply throughout their trainings in addition to working and living together. This kind of relationship is crucial in this environment to work properly; but beyond the limits of their work, the love and affection that is seen between these coworkers goes above and beyond. An officer was slain in California by the name of Kevin Tonn. His dog partner, Yaro, was near his coffin throughout the service whimpering. This act shows how deep the bond is between the officer and his canine due to all of the time spent together in training, at the home and in the field; not only as coworkers, but as best friends as well.

Developing a bond with your dog can significantly impact your overall feeling of well-being, your health and your happiness. Not only will developing the bond help the human counterpart but will also develop a larger level of trust with your dog. Your dog enjoys the bond with his pet parent and is also likely to be happier and healthier.

Amber Johnson, Animal Behaviorist

Miss Amber Johnson has many years of experience with pets and is a licensed cat and dog nutrition and behavior specialist. She currently collaborates with PetPremium where she counsels clients in pet behavior and nutrition. The statements made in this article are the personal opinions of Miss Amber Johnson and based on independent experiences and could be different from the opinions of PetPremium Pet health Insurance or any other pet health insurance provider.

Are Pit Bulls Naturally Aggressive?

The pit bull has a horrible reputation… but are they really as bad as people think? Many renters experience problems if they have a pit bull as they are not generally permitted in rented houses. Why is this? This may be due to that particular landlord not preferring that breed due to its “dangerous” reputation. This is also due to the fact that if a pit is in the home, the homeowners insurance is generally much more expensive.

Pit bull and animal behaviorist

The Fighting Pit Bull

The Pit has a negative reputation because they are the breed most often preferred for dog fighting rings. Why is this? Of course, they are extremely powerful dogs. Not only are they muscular but they also have extremely strong jaws. This makes them the preferred dog breed for this “sport.” Are all pit bulls like this, though?

The Family Dog

Just as all dog breeds, there are some pit bulls which are good with children and some which are not. For the most part though, pit bulls are known to be extremely affectionate and actually the best dogs to be around children. Almost all dogs have a desire to please their owner; however, the pit bull has an extreme desire to do so. The pit bull literally craves attention and praise from their owner which is one of the many reasons they are excellent within a family environment! This also results in them being an extremely loyal dog. They are very dedicated to their family and will do anything to make them happy! Check out these misconceptions of pit bulls!

On the Other Side

We just discussed that the pit bull will literally do anything to make his or her owner happy. This is also why they are associated with a poor reputation. If their owner would like them to fight or be aggressive, they will also do this to please their owner. All in all, the pit bull’s temperament is entirely based on his environment!

Are Pit Bulls Naturally Aggressive?

Liability Insurance

Due to their poor reputation, owners of rental properties often do not allow the pit bull or if they do, require liability insurance to be purchased. Homeowners insurance sometimes will not cover this breed which makes liability insurance that much more important. Liability insurance will cover items in case an incident was to occur. There are several breeds included in this assumption including the German Shepherd, Rottweiler and Doberman.

Amber Johnson, Animal Behaviorist

Miss Amber Johnson has many years of experience with pets and is a licensed cat and dog nutrition and behavior specialist. She currently collaborates with PetPremium where she counsels clients in pet behavior and nutrition. The statements made in this article are the personal opinions of Miss Amber Johnson and based on independent experiences and could be different from the opinions of PetPremium Pet health Insurance or any other pet health insurance provider.

Why Do Dogs Eat Poop and How to Stop It?

This may sound a bit odd; however, eating feces is a normal action in dogs. For example, when a mother dog has puppies, she licks them in their anal area to assist in the release of feces. There are several other reasons dogs may eat feces which are not quite normal and should be taken care of immediately. Let’s take a look at the reasons for the consumption of feces!

Why do Dogs Eat Poop

It’s Natural!

Sometimes, it is normal for dogs to eat feces. Prior to domestication, they were scavengers which means they essentially ate anything they could possibly find. Eating feces is also normal when a new litter of puppies arrive. Puppies often have difficulty using the bathroom on their own so the mother helps with this. It is also the mother’s instinct to keep the puppies clean as to not attract predators from the scent.

Is He Malnourished?

If your dog is lacking nutrients in her diet or are unable to digest the nutrients found in her diet, she may look elsewhere for those particular nutrients. They instinctively believe they need to look for an alternate option to obtain those particular nutrients. They may also have some type of parasite or a pancreatic issue which is why it is absolutely crucial to bring your dog to the veterinarian if they are experiencing this problem.

Risks of Eating Feces

The risks posed when eating feces are frightening for your dog. Dogs who eat feces have a very high risk of obtaining internal parasites. Unvaccinated dogs are also at an increased risk of contracting parvovirus or hepatitis if they were to eat the feces of an infected dog! That is a very large risk to take. Let’s take a look at how to solve the problem. Find here the Top 10 Diseases in Dogs.

Solving the Problem

How to stop dogs from eating poop? Prior to immediately believing this is a behavioral issue, your dog should be taken to the veterinarian to rule out any type of medical issue. If the veterinarian states it is not a medical problem causing the coprophagy (eating feces), this could require you to obtain a behavioral consultation. Prior to a consultation, you can try simply placing some habanero sauce on the feces when you find them. Then, when your dog goes to eat them, he will immediately dislike the taste and will negatively associate the taste of the sauce with the feces. If this does not work, we do have an in-house canine behaviorist for additional questions.

Amber Johnson, Animal Behaviorist

Miss Amber Johnson has many years of experience with pets and is a licensed cat and dog nutrition and behavior specialist. She currently collaborates with PetPremium where she counsels clients in pet behavior and nutrition. The statements made in this article are the personal opinions of Miss Amber Johnson and based on independent experiences and could be different from the opinions of PetPremium Pet health Insurance or any other pet health insurance provider.

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