ASPCA | Pet Insurance Review

We have had coverage for nearly three years now and I never thought we would need to use it. Unfortunately our Labradoodle, Briggs was diagnosed with Addison's disease in June 2012. From the diagnostic tests to continuing treatment, our plan has reimbursed a majority of the extensive costs. Thankfully Addison's is manageable and ASPCA is becoming more user friendly with online claim submissions and the option to have the reimbursement deposited directly into your bank account. I highly recommend everyone get insurance for their pet!

Our two cats have had illnesses and injuries whose costs without ASAP insurance would have far exceeded the price of the premiums. We always received a fair reimbursement with no hassle

I paid $35 a month for 8 years and had 8 claims. After taking out the $100.00 deductible and only covering 80% I received maybe $1,050 back of the $4,000 I paid over this time. The last year I had the plan my dog had 4 bladder infections, when she got a 5th one they refused to cover it, they now considered this a pre-existing condition, which they do not cover. They let me know that any future claims that relate in any way to the bladder (such as a yeast infection) will NOT be covered. Then they refused to use my bills towards the $100.00 deductible. My general feeling is as long as your claim amounts are low and are infrequent they will cover you, if you begin to turn in multiple claims they find a loophole or way to say it's related to a pre-existing condition. I cancelled my plan ASAP.

My 14 year old Dachshund, Gisela, became very ill. I do not know what caused her problem. My speculation is that she ate the remains of a dead rodent in the backyard, but the veterinarian could not give me a definent answer as to what triggered her condition. She had to be hospitalized and placed on IVs, received numerous tests, sent home with medications, and restricted to a special diet. I was contemplating cancelling my pet insurance policy before this incident since she has been very healthy. It is a good thing I did not do so. She has made a full recovery.

Oberon nearly died of pancreatitis. Poor little guy was so sick and couldn't eat at all. He was in the hospital for a week, so his bill came to about $3,300, but I only had to shell out about $850. The plan worked as promised.