ASPCA | Pet Insurance Review

We have had to use the insurance twice and were o.k. with the coverage. I thought we would get more money back, but something is better than nothing.

We have always carried pet health insurance for all our dogs. Our claim history with Zuzu our 9 yr old mixed dachshund is scarce as we really had no terrible incidents, thank God. However I am very scare of that renewal clause in which any illness during a policy period will be considered a pre-existing condition, after certain age we all including pets develop arthritis etc. In Zuzu's case arthritis is the issue. If the insurance carrier offers a guaranteed coverage for an additional fee, this offer has a minimal disclosure, just to make sure that the majority of people will not even notice it. It is unfortunate that pet insurance is so deceiving and unregulated, pet owners consider their pets as their children and after years of paying for costly insurance premiums is heartbreaking to find yourself financing out of pocket your pet's medical needs. I intend to review all the pet insurance carriers in the market when my renewal approaches.

Rusty got sick quickly and it got very expensive very fast. It was nice to know that relief would come by getting these bills covered by insurance.

This was the first year in the many that he's been covered by ASPCA Pet Health Insurance that my cat had any medical needs aside from his regular wellness exam (which his insurance has regularly covered most of) -- and boy was I glad that I've had him insured! Several vet appointments, multiple blood tests, meds, x-rays... the out-of-pocket costs were pretty staggering. Four separate claims -- but then I got my insurance reimbursements, and most of it was covered, and I got reimbursed 80% of what I had paid. The claims were processed quickly, the reimbursements were direct-deposited into my account, and I received follow-up calls from the ASPCA customer service representatives to find out how my cat was doing and if they could be of any further assistance. Fortunately he has fully recovered, is eating well once again, and is one happy kitty!

I was scared when my cat did something out of the ordinary and swallowed plastic and we had to take him to the vet. But it wasn't just the anesthesia, X-rays, and other procedures that scared me--it was the price tag as well. ASPCA covered a lot of my claim AND they were truly concerned about my cat's health, making sure they asked about his health every time they called to go over the claim. It was really sweet and they made a really scary experience so much better/easier to deal with. THANK YOU!