ASPCA | Pet Insurance Review

Our dog Summer is a bit of an adventurer. We often bring her for long hikes in the mountains. One morning after a long week of downpours, we awake to a glorious day. We packed up a day pack and set out with Summer for a beautiful morning of hiking. About 2 1/2 hours into the hike Summer ran through a thicket and barked a small animal up a tree. It appeared to be a small bear cub and fearing a momma would be close behind we frantically called for her to return. As she approached we easily determined she had chased a porcupine and had a face full of quills. We had a one hike back to the car and could not wait to get her to the vet. It was a Holiday weekend and of course the Vet bill was substantial, thank goodness we have Pet Insurance. Our claim was quickly processed and after speaking to numerous friends in the area we felt very fortunate that because we have Insurance for our dog, the idea of painfully pulling them out was not an option. Accidents happen and we have been very pleased with our coverage.

MY PHOEBE HAD A SERIOUS REACTION TO THE ROUTINE INOCULATIONS. IT TOOK MONTHS TO DIAGNOSE HER CONDITION. ASPCA PAID MY CLAIMS IN A TIMELY FASHION. I HAVE BEEN MORE THAN PLEASED WITH THE SERVICE.

I was pleased to get something back from my vet visit because my cat fell from 8 feet and hurt her back. I was paid back for everything but the X-ray. The insurance company said the xray was not needed but, as a pet lover, I wanted to know that she only had a slipped disc and not a broken back. Still, this is the only time she has had an accident in 11 years and it was nice getting some of the vet bill paid.

I recently submitted a claim in to ASPCA and it was as simple as submitting my papers, tracking my claim online and receiving a check in the mail all in less than a month. Great service, smooth process!

Rates are not too high and I benefit from the multi-pet discount. But, a bit frustrating that only "reasonable" veterinary charges are covered since "reasonable" and "New York City veterinarian" charges are contradictory terms... For example, if any major surgery were ever required I'd be lucky to get 25% reimbursed (given the $3,500 lifetime cap).But, for minor illnesses, 80% coverage for approximately 80% of the bill still helps. The premiums should pay for themselves and slightly more in the event of any significant treatment, though I would be thrilled to lose money on this deal forever rather than have to test out that assumption.