ASPCA | Pet Insurance Review

This is totally a rip-off -- put your premiums in a savings account. Insurance is supposed to collect premiums from many people, and then help pay large expenses for the few people that need them. ASPCA insurance does everything it can to pay virtually nothing. We have been paying for level-3 insurance (i.e. one of their better plans) for 9 years, costing thousands of dollars. This insurance has been useless for both the many "smaller" medical bills ($200-$500) that we've had over the years, AND the large bill we just had. I was OK overlooking the "small" ones, assuming they would actually pay up when a big expense came. They do not. Between the deductibles, fee limits, and endless set of rules, this insurance is useless. Our dog came down with cataracts, and -- per our vet's advice -- we decided to hold off on treatment (until his eyesight became unacceptable). I was told that -- as long as he could see -- then it would save money to hold off (and avoid possibly having to repeat the procedure). BUT ASPCA has a clause/rule that they will not cover a claim for a treatment if the symptoms were present before the current year's policy. It makes no sense -- other than that ASPCA is trying to avoid major conditions -- like this one -- where one typically delays treatment. They are covering ZERO on this procedure, which is a slap in the face after getting less than %20 reimbursement on years of smaller bills. In short, this is a totally useless product.

Very happy.

After a trip to the vets and then having to keep our dog two days at the emergency animal clinic, he recovered from the accidental poisoning. ASPCA insurance staff was kind when helping us handle the paperwork. They were efficient in responding to our claim and called to check on how he had recovered.

I AM SO THRILLED WITH MY PETS HEALTH CARE PLAN I COULD NOT IMAGINE LIFE WITHOUT IT MY TINY AND CLEOPATRA (GREAT DANES) ARE COVERED SO IF SOMETHING COMES UP I KNOW HAVE PEACE OF MIND AND PETS HEALTH CARE PLAN IS ALWAYS CALLING ME TO SEE HOW MY BABIES ARE DOING I REALLY DO LOVE PETS HEALTH CARE PLAN I TELL EVERYONE ABOUT IT

This insurance has been worth every dime spent on it. The follow up has been great with reimbursements that have been received almost instantaneously. I would recommend ASPCA insurance to anyone that owns a pet. You won't regret it!