ASPCA | Pet Insurance Review

I obtained insurance for my Abyssinian kitten because I had a real problem with his predecessor - who wasn't insured. I checked out several companies and chose ASPCA. I have been pleased with the response to the claims I have made - for neutering, for example. The reimbursement was quick and without any beuracratic delay.

ASPCA DID EVERYTHING POSSIBLE TO MAKE THEIR POLICY UNCLEAR WHILE SIGNING ME UP AND THEN PAID NOTHING FOR ANY OF MY PET'S ILLNESSES. I also love the mission of the ASPCA but DO NOT BUY THEY'RE INSURANCE! I purchased the insurance for my pet 6 years ago and thought she would be well covered. She was not. First, for every single vet item I sent in, ASPCA did pay 90% but the key was that they paid 90% on what they considered to be normal prices. Therefore, if I paid 150.00 for shots, they claimed that the normal and customary charge should have been 50 and then paid 90% of 50...not 150. This occurred on every single line item. So, although they claim on their web page that they do not have listed claim prices...they do. Then, my pup was diagnosed with cancer on Oct. 24th. She began treatment right away but as of Nov. 1st that same year - SHE WAS NO LONGER COVERED as my policy renewed. Apparently, no matter how long you have this insurance, your pet is only covered one year at a time. If they get sick even one day before the beginning of the next year (it's different for each policy), they are not covered after the renewal. When I asked about this, the representative stated, "It's just like homeowner's insurance. It starts over every year." Also, when your policy renews, there is an 180 pre-existing period for all sickness that starts all over again. This means that your pet really only has coverage for sicknesses that conveniently fall into the proper t

Due to problems with her ears, my cat, Betsy, who is 6 years old, is on prescription canned and dry food and so is my kitten, Jenni, who is almost one year old, since it wouldn't be easy to feed each of them a different diet (rabbit and peas.) Both of them are doing fine with the food....they both love it! I wish that the insurance would cover some of the cost of this prescription food as it is necessary for their health and well-being. I hope the ASPCA will reconsider at some point in the future. Also, I wish I had had this insurance for my beloved cat, Annie, who passed away last year.

I have 5 cats ranging in ages from 16 years old to 2 years old. Problems seem to occur after office hours and I end up at our university vet hospital. They are very good but it is very expensive. It is an easier choice knowing I will be reimbursed for much of his or her care fairly quickly after the event. I would not want to withhold care because of the cost. That would be a horrible decision. They are my family.

I've had the insurance for a couple of years and thankfully never needed to use it until recently. Both of my cats needed to be seen for illness and injury and I was very pleased to see how much of the claims were reimbursed. The process was easy and the reimbursements were quick and the explanations were very detailed. Thank you ASPCA!