ASPCA | Pet Insurance Review

I have had insurance coverage on my dog since he was 6 years old. For many, many years, we never had to make a claim, but as he got older, he started having more maladies. My policy is an older policy, and has a 8k reimbursement limit, and over the past 5 years, I have files enough claims that we are just a few hundred dollars away from reaching it. I can honestly say that having pet insurance was the best decision I ever made because I never wanted to make a decision regarding my Jack's health based on money. One downside of this insurance though, is that we take our dog to a top of the line veterinary clinic, so their prices are a bit higher, and the company always gives us less than what we paid. For example, if our Vet charged $300 for an X-Ray, ASPCA would reimburse us based on an X-Ray fee of $250, stating that the $250 cost is more customary to our area.

We were very pleased with the coverage and reimbursement for our mini-schnauzer's bladder stone surgery- the surgery was expensive and unexpected but the ASPCA came through wonderfully. We are very pleased with this pet insurance!

Our 8 year old Nala has been insured her entire life with ASPCA. Because she is an active girl she has in the past two years torn both her ACL's, and needed TPLO surgery for each $5,000 each time. Our ASPCA coverage plan made it so much easier to go ahead with the surgery at the best Veterinary Hospital around. Our claims were paid before she had even recovered from surgery and returned to the park for playtime. The customer service is wonderful too, they always call to check and see how my fuzzykid is healing. The real value is in the peace of mind. In addition the low deductible and overall coverage for regular visits and medications is truly exceptional.

Shadow is a 10 year old Labrador Retriever and as she's gotten older she has developed a few problems. Recently while chasing a ball she slipped and hurt her leg. Immediately, I wrapped her up and brought her to the vet. The cost never entered my mind. Having the insurance gave me the comfort knowing I would be able to afford her treatment. After a few visits, x-rays, shots we spent more than a few hundred dollars. I probably would have spent the money anyway but I was glad I had purchased the insurance. I am very happy I made the decision when Shadow was a puppy and I will purchase another policy when we get another dog. The ability to file a claim on line was excellent. All I had to do was scan the paid bills and upload them to the website. A few days later they let me know the claim was approved and I received a check soon thereafter

We've had this pet insurance for 4 years now and very pleased. We signed up for it when we adopted our rescue German Shepherd. It helped pay when we had her spayed. A few years ago she was diagnosed with incontinence and we can submit for her monthly meds. Now she was recently diagnosed with Megaesophagus. Sierra underwent X-rays and other tests before discovering her condition. The pet insurance was great and covered quite a bit of the vet bill. I even receive calls from ASPCA checking up on our special girl.