Difference between Banfield OWP Plus and OWP Senior
The Banfield Pet Hospital offers various pet insurance plans to cater to the diverse needs of pet owners. Among these plans, the OWP Plus and OWP Senior are two popular options. While both plans provide coverage for pets, there are several key differences between them that pet owners should be aware of.
1. Age Eligibility
One of the most significant differences between Banfield OWP Plus and OWP Senior is the age eligibility. The OWP Plus plan is designed for pets of all ages, whereas the OWP Senior plan is specifically tailored for senior pets, typically those aged 7 years and older. This distinction allows pet owners to choose a plan that aligns with their pet’s current age and health needs.
2. Coverage Limits
The coverage limits for the OWP Plus and OWP Senior plans also differ. The OWP Plus plan offers a higher annual limit, typically ranging from $10,000 to $15,000, depending on the pet’s age and the coverage level chosen. In contrast, the OWP Senior plan has a lower annual limit, usually around $7,000 to $10,000. This difference in coverage limits reflects the higher healthcare costs associated with older pets.
3. Deductible Options
Both plans offer deductible options, allowing pet owners to choose the amount they are willing to pay out of pocket before the insurance coverage kicks in. The OWP Plus plan provides a range of deductible options, including $0, $100, $250, $500, and $1,000. On the other hand, the OWP Senior plan offers fewer deductible options, typically $500 and $1,000. This difference in deductible options can impact the monthly premium and the overall cost of the insurance plan.
4. Wellness Care Coverage
Wellness care coverage is another area where the OWP Plus and OWP Senior plans differ. The OWP Plus plan includes a wellness care allowance, which covers routine exams, vaccinations, and preventive care. This allowance is separate from the annual limit and can help offset the costs of routine veterinary visits. In contrast, the OWP Senior plan does not include a wellness care allowance, focusing primarily on medical and surgical coverage for older pets.
5. Prescription Drug Coverage
Both plans cover prescription drugs, but the OWP Senior plan offers additional coverage for certain medications that are more commonly used in older pets. This includes medications for chronic conditions, such as arthritis or kidney disease. The OWP Plus plan covers prescription drugs without any additional limitations, providing comprehensive coverage for both young and senior pets.
In conclusion, the difference between Banfield OWP Plus and OWP Senior lies in their age eligibility, coverage limits, deductible options, wellness care coverage, and prescription drug coverage. Pet owners should carefully consider these factors to choose the plan that best suits their pet’s needs and their budget. By understanding the differences, pet owners can make an informed decision to ensure their furry friends receive the best possible care.
