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As much as we wish it weren’t true, our four-legged family members can suffer unexpected illness or injury just like we do. If veterinary care is required, the costs for treatment can add up quickly.
The average emergency vet visit can easily run from $800 (on the low end) to upwards of $2,500, depending on the necessary treatment. That’s why pet owners are increasingly buying pet insurance to protect themselves and their furry friends from unforeseen medical expenses.
ManyPets and ASPCA are two companies that offer pet insurance policies for dogs and cats. This article will compare what each company covers, which offers more budget-friendly policies, and which provider is the better option in specific situations.
In this comparison:
- ManyPets vs. ASPCA: At a glance
- Which offers better coverage?
- Which offers more affordable policies?
- Scenarios in which one provider is better than the other
- Our choice between the two companies
ManyPets vs. ASPCA: At a glance
|Reimbursement rate||70%, 80%, 90%, or 100%||70%, 80%, or 90%|
|Benefit limit||Unlimited||$3,000, $5,000, $7,000, $10,000, $15,000, $20,000, or unlimited|
|Deductible||$0, $100, $250, $500, or $750||$100, $250, or $500|
Does ManyPets or ASPCA offer better coverage?
Both ManyPets and ASPCA offer an accident and illness policy, the most comprehensive type of insurance policy available. However, not all policies cover the same things. That’s why it is a good idea to read the policy so you know what is and isn’t covered before purchasing your plan.
Our review of each company’s sample policy found that ASPCA’s policy stood out over ManyPets. While both companies cover the basics, ASPCA also covers behavioral issues, stem cell therapy, poison control consultation fees, and the cost of prescription food.
You can use the following table to easily compare what is and isn’t covered by each company.
|End of life expenses||Yes||Yes|
|IV fluids and medications||Yes||Yes|
|MRI, CT scans, and X-rays||Yes||Yes|
|Pre-existing conditions||Yes, if curable||Yes, if curable|
|Prescription food||No||Yes, for covered conditions|
|Surgery and hospitalization||Yes||Yes|
|Wellness plan||Yes, as an add-on||Yes, as an add-on|
Are policies from ManyPets or ASPCA more affordable?
We received several quotes through each company’s free online quote form to determine whether ManyPets or ASPCA offered more affordable policies.
The zip code, reimbursement rate, and deductible were the same for each quote; however, the benefit limit differed since each company offered different options.
The difference in premium cost for an accident and illness policy was between $7.34 and $14.36 per month, depending on the quote. On average, a ManyPets policy was 29.43% less expensive than an ASPCA policy, even with a larger benefit limit.
Here is a full breakdown of the different quotes we received and the monthly premium for each policy:
Quote one: Vincent, a one-year old Akita from Albuquerque, New Mexico
The policy details for this quote included a 90% reimbursement rate and a $250 deductible. The benefit limits were different due to no matching options. ManyPets’ benefit limit was unlimited, while ASPCA’s was $10,000.
|Accident & illness||$45.18||$59.54|
|Wellness add-on||$24.99||$9.95 or $24.95|
Quote two: Lily, a three-year old Schnoodle from Sioux Falls, South Dakota
The policy details for this quote included an 80% reimbursement rate and a $500 deductible. The benefit limits were different due to no matching options. ManyPets’ benefit limit was unlimited, while ASPCA’s was $10,000.
|Accident & illness||$23.44||$30.78|
|Wellness add-on||$24.99||$9.95 or $24.95|
Quote three: Frank, a five-year old Siamese from Omaha, Nebraska
The policy details for this quote included a 70% reimbursement rate and a $250 deductible. The benefit limits were different due to no matching options. ManyPets’ benefit limit was unlimited, while ASPCA’s was $10,000.
|Accident & illness||$15.62||$25.31|
|Wellness add-on||$19.99||$9.95 or $24.95|
Quote four: Rose, a 10-month old American Curl from Houston, Texas
The policy details for this quote included a 90% reimbursement rate and a $100 deductible. The benefit limits were different due to no matching options. ManyPets’ benefit limit was unlimited, while ASPCA’s was $10,000.
|Accident & illness||$21.28||$34.67|
|Wellness add-on||$19.99||$9.95 or $24.95|
Scenarios in which ManyPets or ASPCA is better than the other
The scenarios below can help determine which of the two companies is the best for you.
- If you want an accident-only policy
- If you have a pet older than 14 years of age
- If you want a $0 deductible
- If you want 100% reimbursement
- If you have multiple pets
- If you want coverage for online vet visits
- If you want a shorter waiting period
If you want an accident-only policy: ASPCA
Accident-only policies are a good option for pet owners who want coverage with less expensive premiums. Typically, an accident-only plan covers treatment for injuries resulting from accidents that happen to your pet. Any costs from illness will not be covered under this plan.
If you have an accident-prone pet or you’re on a limited budget, this type of policy might be a good choice for you. It offers a balance between paying for a complete accident and illness policy and having no coverage.
If this type of plan interests you, look into pet insurance plans with ASPCA because it is the only one of these two companies to offer that type of plan.
If you have a pet older than 14 years: ASPCA
Some insurance companies only allow you to enroll a pet before a certain age. This limitation is in place to protect providers from covering higher-risk pets.
Although ASPCA requires that your pet be at least eight weeks old to get coverage, there is no maximum age limit. ManyPets, on the other hand, has a maximum age limit of 14 years for new enrollments.
If you want a $0 deductible: ManyPets
Most insurance companies allow policyholders to adjust their terms, such as the monthly premium, deductible, and reimbursement rate.
While this is true for both ASPCA and ManyPets, ManyPets is the only one that offers an option of $0 for your deductible.
With a $0 deductible, you won’t owe any money before being reimbursed for veterinary care.
Note: Only some of the sample quotes we received on the ManyPets website had a $0 deductible option. We could not determine what criteria the company uses to decide whether or not a pet is eligible for a $0 deductible. If you want to see if your pet qualifies, you can get your free quote from ManyPets.
If you want 100% reimbursement: ManyPets
ManyPets is one of the only companies that offers a 100% reimbursement rate. However, only some of the quotes we received offered the option of 100% reimbursement.
The company does not reveal the eligibility requirements for the 100% reimbursement rate, so if you’re interested in seeing if your pet qualifies, get a free quote on ManyPets’ website.
If you have multiple pets: ASPCA
If you have several pets, you should know that some pet insurance companies offer discounts for enrolling multiple pets. This discount will lower the monthly premium you pay for coverage.
ASPCA is the only one of these two companies that offers a multi-pet discount. The discount is a 10% reduction in your premium for each additional pet added to your policy.
If you want coverage for online vet visits: ManyPets
Sometimes pet health questions don’t seem complex enough that a visit to the vet is worth it. Luckily, with some pet insurance companies, you no longer have to contemplate making the trip.
With ManyPets, you’ll receive coverage for video calls with a licensed veterinarian.
If you want a shorter waiting period: ASPCA
Whenever you purchase an insurance policy, there is typically a waiting period. This waiting period is the time between when you buy the policy and the time when the insurance company begins reimbursing you for claims.
If a shorter waiting period is a desire of yours, ASPCA is your best bet. The waiting period is 14 days from when you sign up.
The waiting period with ManyPets is 15 days. While the time difference is not significant, an additional day without coverage does have added risks.
Which company is our choice between ManyPets and ASPCA?
Our comparison led us to choose ManyPets as the better option between these two companies, but it was close. While ASPCA offered more comprehensive coverage, ManyPets had more affordable policies. Both companies stood out in the different scenarios we outlined.
However, in the end, a comparison of 16 leading pet insurance providers left us rating ManyPets a 4.9 out of 5, while ASPCA was rated a 4.5 out of 5.
The opportunity for some pet owners to select a $0 deductible and 100% reimbursement rate was a significant factor in why ManyPets edged out ASPCA. If you would like to get a free quote from ManyPets for your pet, you can fill in the information on the online quote tool.
Author: Lauren Lee