ASPCA | Pet Insurance Review

We were given Lulu in November 2012 by neighbors who no longer could keep her. We shopped around for insurance plans and decided to go with ASPCA (as we are also Guardian Members) because the had the best coverage plans. We signed Lulu up in February 2013. We had her spayed and paid for that ourselves, our vet offers a "vaccines for life" program, $60 one time fee and all vaccines are covered. Needless to say, we will only have claims for anything major (injury, etc). My only complaint is that the flea / heartworm preventative coverage is very low, $60/year. It's roughly $120/yr for each. I feel the reimbursement amount should be increased. The turnaround time for reimbursement has been excellent.

We adopted a rescue 5 yr old weimaraner in November. Almost 3 months after we had him, he got some bumps under his skin. Our vet suggested a biopsy and they turned out to be cancerous cells! The poor thing had to have surgery. It was about $1400 which insurance paid $800 (after $100 deductable). I was relieved I had insurance. It has also been a life savor for our cat (who recently passed). X-rays typically run $300 so to have insurance pay 80% is really worth it! I always tell people my animals have better insurance than me! $100 deductable with 80% reimbursement is a great insurance plan! I wish blue cross blue shield provided the same coverage!

Sorry it took so long to respond...But Bruno actuallyruptured both cruciate ligaments in both hind legs. About two weeks apart!! we were very happy with payment we received for the first accident but are still waiting for the second payment. I am waiting for that now.

Nicky became listless over a few days, then started having loose stools. We took him to our vet on the 3rd day after his 1st loose stool. The vet tried an antobiotic & fecal tests. Nicky eventually had other drugs, lab, & a sonogram. He is finally much better. We have used our ASPCA before, & they have always been caring & helpful. I think Nicky has better insurance then we do.

While the insurance doesn't cover everything, it is definitely worth having it. It helps give you peace of mind not having to worry about having to pay the whole bill. But most importantly, Amber is back to running around like a kitten and she is 16 years old!