ASPCA | Pet Insurance Review

I had my dog diagnosed with lymphoma. She had two operations to remove enlarged lymph nodes. I found a place that had very good rates, a lot cheaper than the ASPCA itself (Bergh Hospital). Insurance technically pays 80% of reasonable costs, which means that they will pay 80% of what is determined to be the appropriate cost within your location. They ended up paying approximately 65% of my cost -- meaning that my costs were higher than the "reasonable". However I know that I paid very competitive prices, the same if not lower than the average in my area. The response time to claims is inconsistent, but overall a month after submitting the claim (if they didn't need the vet's records sent over). Sometimes it takes them too long to acknowledge they received the records (once, more than a month) Continuous care is an add-on for chronic illness. This covers illnesses that exceed one term. It is good but not so good: It pays a maximum lifetime and after that you're on your own because after that it is a pre-existing condition. I guess this will be the case with all the insurances, but it does limit what you get after one chronic disease is diagnosed. In a way, a dog like mine with cancer is likely to have complications that will not be covered because cancer is the ultimate cause, and then insurance becomes irrelevant... A question here says "would you recommend this company to other pet owners?" --- I think there may be better plans, certainly, but considering that

Getting Pet insurance was the best thing I ever did it is so easy to file a claim and quick. I wish I would of gotteninsurance on my last to dogs we recently got a new puppy and had her added to the plan before I picked her up

The claim was submitted and processed within prompt fashion. The level of service has been positive for my Puggle's four years as a beneficiary of this insurance. The surgical appointment turned out to be benign but it was good to know that the pet coverage covered the services. She is back to being her spunky self.

I have a 11 month old Boston Terrier. When my puppy was only a few months old, I decided to get pet insurance. I looked at other plans and nothing came close the the coverage and price of ASPCA. Luckily I have not had any serious accidents or illnesses (except for one incident when my puppy decided to eat part of an ottoman), but the few times I have had to get medical care for her, I didn't worry because I knew she was covered. Several people thought I was crazy to get pet insurance but now those same people are admitting that I had made a good choice). The claim process was easy and turnaround time for reimbursement was reasonable. Thank you ASPCA.

We had TPLO surgery done on our dog. The surgery and recovery was difficult and long but worked out fine.We saw 3 doctors and choose the least expensive which turned out to be the best one for the money. ASPCA Pet Insurance paid for all the consults and all the charges except for a few. Although I did not agree with some of their "reasonable rates" on a couple of charges they where reasonable on 90% of the bill. I have worked in auto claims for 35 years and understand the reasons for reasonable rates. The fact that they did pay for all the consults was a show of good faith.