ASPCA | Pet Insurance Review

I've had ASPCA insurance for several years now. First, I enrolled my cat. Then several years later I enrolled my first puppy, and then the second. I have really utilized their services for each of my 3 animals and am so glad that I have their pet health insurance. It makes making decisions regarding treatment at the vet so much easier because I know that I have the coverage and the costs are always so much more manageable.

As the proud parents of a 12 year old Yorkie we have used the insurance many times. When we added up the normal cost of vet care over the course of a year we realized that money could be used to purchase insurance that covered a good portion of the cost plus left us insured in case of a serious issue.

My pup had to go in for a proptosed eye (don't google it), and I received all the advice I needed on filing the claim. When he popped his stitches and had to go back in for as second surgery, I was extremely pleased to not get hassled by ASPCA. They were very understanding that accidents do happen, even after the initial accident. Their instructions were very clear and easy to follow, and I received email updates about my claim well within the timeline of what they estimated. It took the headache out of what could have been a very painful process.

Our Bernese mountain dog pup is 9 months old. She's well bred but she's been more sickly than we expected so early in her life. (We expected a fairly expensive adulthood as BMDs sometimes have lots of problems). So far in akmost 7 months of owning her we have spend over 3500 in vet bills. This includes a spay/gastroplexy, microchip, emergency room visit & overnight hospitalization for pre-bloat, treatment for conjunctivitis, lyme disease test and treatment for Lyme disease (yep, positive), hurt paw exam & antibiotics, a vet visit over bleeding viral wart she'd chewed off her paw (now it's on her mouth!), an office visit to check on her spay stitches, vaccines, heart worm pills, routine checkups, flea and tick prevention, and I can't recall what else. ASPCA approved reimbursements for 745$ of it. they do not pay the actual cost of procedures, they do not pay for all the required treatments. I think we are going to cancel our policy and just save 90$ per month for her vet bills. Next up we have to do an ortho scan (under general anesthesia) because she's still lame. That's several hundred I doubt they'll reimburse. It's a racket. Waste of money.

Our beagle has been covered by ASPCA insurance for 9 years. He is now 14 years old and has had 2 ACL surgeries , along with stomach X rays which led to a diagnosis and cure of an infection. Without this insurance we would not have able been able to afford the ACL surgeries, Cody would need to be put down as over time he could not walk. 6 years later,he is enjoying a great life , bringing joy to our entire family. There are no nicer people to deal with than the ASPCA staff. Don't delay , we never know what will happen to our pets - they can't tell us it hurts and insurance allows us to get care with less worry. thanks, Thanks, thanks The Swift family and Cody the 14 yr old beagle