ASPCA | Pet Insurance Review

To be honest, I was not satisfied at all with ASPCA Pet Insurance when I first joined. The rates seemed to be climbing and they didn't cover very much. I had a long, drawn out dispute about Rusty's medication which I eventually won but it took a couple years off my life. Their policy renewal could be spelled out much better up front and they should make it easier to understand. Recently, I had a serious situation with 12 y.o. Rusty (who I'm paying more than $50/month for). The total vet bill was nearly $3000 and ASPCA paid me more than $1700 back. I think it's important to mention actual numbers so you can anticipate how much this insurance carrier will really cover. If I hadn't got at least that, I certainly would have dropped the policy. But they sent me that check pretty quickly and I didn't have to argue with a single rep to get it. That will keep me as a customer.

While it doesn't cover everything, it sure is nice to know that some of the bills will be paid! Nightmare had a $2600 dental bill, and you guys at least helped put a major dent in the cost! He says thank you because he's his cuddly deranged self playing without pain- and he just celebrated his 10th birthday!

We all know how expensive medical bills can be if we don't carry insurance. I've never had pet insurance before but always knew it is something every pet owner should'nt be without. After having to go to the Vet a few times and paying the enormous bill, I figured it was time to look into this. Due to the age of my Boston Terrier (12), ASPCA was the only provider that had reasonable rates. As a matter of fact, other providers wouldn't even accept her because of her age even though she has never had any serious illness or accident. However, now that she is getting up there in age, I fugure something serious will eventually happen. About 4 months after I got the insurance she had a shoulder injury, The claim process was very simple and quick. Even though I carry the higest coverage with the highest deductible, that one visit took care of that deductible. Now, if she has to be seen again this year, I have "peace of mind knowing it's there when I need it" and, 90% of any furture bill will be covered.

It's sad for me when my pet insurance is better than my health insurance that pretty much says it all!

Scoundrels! I began a policy for my dog in 2006. He tore his ACL on March 17, 2013 and had surgery on Mar. 26, 2013. It just so happened that the plan year for his policy renews annually on Apr. 15, 2013. Because of this date being 19 days after his surgery, ASPCA denied coverage of medications prescribed at his follow up appointments, saying tht it was now a pre-existing condition and none of his further related expenses would not be covered for another 180 days following surgery date. Just when you need them, ASPCA Pet Health Insurance will duck and weave and deny coverage-- blaming you as the pet-owner for not being smart enough to read all their emails and purchase a special endorsement that would have filled in this big loophole the wrote for themselves in the original policy. Honesty and integrity means nothing to these people.