Pet Health Insurance

Pet health insurance provides coverage for veterinary services related to your pet being hurt or sick.

MIT offers pet health insurance through two plans, ASPCA and Pets Best. ASPCA and Pets Best can also provide coverage for routine/preventative care for an additional fee. Pet health insurance does not cover pre-existing conditions.

About the Plans

MIT offers two plans to give employees more flexibility. ASPCA has a more robust plan but at a higher premium, while Pets Best offers quality coverage at a more moderate premium. We encourage you to get a quote from each vendor to determine the option that is best for you.

ASPCA

What's covered?
  • Exam fees, diagnostics, and treatments
  • Accidents
  • Cancer
  • Illnesses
  • Dental disease
  • Hereditary conditions
  • Behavioral issues
Customizable options
  • Annual Limit: From $5,000 to unlimited
  • Deductible: Select $100, $250, or $500. You’ll only need to satisfy it once per 12-month policy period.
  • Reimbursement Percentage: 70%, 80%, or 90%
  • Add Preventive Care: For a little more per month, get reimbursed at scheduled amounts for things that protect your pet from getting sick, like vaccines, dental cleanings, and screenings.
  • Accident-Only Coverage: You can choose limited coverage for accidents only.
Request a Quote

Visit www.aspcapetinsurance.com/MIT or call 877-343-5314, and use priority code: EB21MIT.

Pets Best

Pets Best offers an Accident and Illness Plan as well as an Accident Only Plan.

Accident and Illness Plan

This plan covers accidents, illnesses, cancer, hereditary conditions, emergency surgeries, and Rx meds.

Customizable options
  • Annual Limit: From $5,000 to unlimited
  • Deductible: From $50 – $1,000. You’ll only need to satisfy it once per 12-month policy period.
  • Reimbursement Percentage: 70% – 90%
  • Pet Wellness Coverage: Routine care coverage can be added to any plan to help pay for vaccinations, spay/neuter, bloodwork, heartworm preventive, and more.
  • Optional Benefits: Accident and illness exam fees, and rehabilitative, acupuncture, and chiropractic coverage
Accident Only Plan

This plan covers the treatment of accidents, including exams, x-rays, surgeries, hospitalization, and medications.

  • Annual Limit: $10,000
  • Deductible: $250
  • Reimbursement Percentage: 90%
Request a Quote

Visit www.petsbest.com/MITPETS or call 888-984-8700, and reference your discount/referral code: MITPETS.

More about the plans

Eligibility

Pet health insurance is a voluntary, employee-paid plan. You are eligible if you work at least 50% of the normal full-time schedule at MIT, have been appointed to work at MIT for at least three months, and are paid by MIT. Visitors who meet the criteria above are also eligible for this plan.

Enrollment

Starting February 14, 2022, you may enroll in pet insurance directly with ASPCA or Pets Best on their websites at any time. You will pay your premium directly to the vendor you choose.

 

Claims

Enrolled employees are free to visit any vet, specialist, or emergency clinic, and can choose to receive reimbursement by direct deposit or mail. Just pay your vet bill, submit claims, and get reimbursed.