ASPCA | Pet Insurance Review

I have carried your insurance (on two Shih Tzus) for several years. I am very pleased with the ease of submitting a claim & how quickly it is processed. Also impressed with follow-up. My only disappointment - questionable coverage on health problems that are common to a breed, ie: eye or kidney problems with the Shih Tzu breed. I can understand a waiting period when first purchasing the insurance (perhaps during first year of coverage). I have not had a problem in this area, but can foresee it occurring in the future. 'Just something to consider revisiting.' C. M. Fleming

I am very happy with the claims submission process. It's easy to email claims and the automated response notified me that they did receive it. The turn around time is pretty reasonable and I can keep an electronic record of my dogs claims in my email account.

Few big run ins with cows and cats caused a lot of trouble for my dog. ASPCA were great in getting my claim processed quickly. Helpful customer service. Only insurance I would ever get.

Having ASPCA pet insurance has helped me to care for my beloved dog. Accidents, sickness and regular well visits can rack up large bills, but having pet insurance has been a blessing. It's nice to be reimbursed for money I would have gladly spent anyway. Most recently Bailey needed to have his teeth cleaned and gums cut back. I thought he was losing his teeth due to age, only to find out his gums were growing over them. Now he has a beautiful set of pearly whites. He reminds me of the dog with dentures! He is healthy and happier too !

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.