ASPCA | Pet Insurance Review

There are soo many other pet insurance carriers that are extremely better than ASPCA! I just found out that my 16 week dog has Addison's disease and because I didn't take out additional insurance out on her ( continuing care) that they will no longer cover any illnesses related to her disease when her insurance renews in a couple months! First of all, why does the insurance have to reset on a yearly basis and what the hell was continuing care when I enrolled?!? I wasn't told about it!!! I have 4 dogs on ASPCA insurance and I'm canceling all if their policies and switching to VPI pet insurance, they are ALOT BETTER!! I spent a ton of money for policies on 4 dogs and my claims were always rejected because they apparently were not "approved" charges by ASPCA!! What the hell is approved than, they are vet visits for illnesses, vomiting, diarrhea...etc. oh wait is it b/c I have to wait 180 days without and between instances?!? I'm glad I paid for half a year for no reason!! Your insurance company is aweful and I will suggest everyone else to look elsewhere. I would be more understanding if a portion of my policy fees went towards ASPCA homeless or shelter animals but apparently no money does. Just horrible!!!

For a low monthly payment,your pet child can be insured.Of course you don't get every penny back that you spend at the vet,but I am sure your health insurance policy have deductibles ,co-pays and numerous other cost that come out of your pocket,just the facts of life and today's economy.I know I sleep better knowing my family has health insurance,including my dog and ASPCA has paid me much more than I have paid them in the past 5 years.

We have insured both our dogs and cat with the plan. For an indoor cat, we have never used the plan but I feel good knowing I have it. Some years I don't use it at all for the dog, and other years - like this one - we've used it a lot. Claims are processed quickly and the paperwork is easy. My only complaint is the "reasonable and customary" charges. We live in a very expensive part of the country. I don't ever get back 80% of my vet bill after the deductible. It's closer to 60%. Even with that, I'm still ahead this year and that's counting paying my premium for another 6 months.

I have a 7yr old Scotty that got pancreatitis his vet bill was over $700. I live on a fixed income. I can find the $30 a month, but no way could I come up with $700. I filed my claim and was sent a check in less than 3 weeks. My dog is find and I still was able to cover my living costs. Don't know what I would have done with out it

If you have an older dog, it is very likely to have what ASPCA calls a "recurring" condition. They will not cover it in subsequent plan periods. So if it is arthritis, liver problem, or cancer - you are left high and dry for ongoing treatment.