ASPCA | Pet Insurance Review

Thank Goodness for ASPCA Pet Insurance! Insurance-It is painful to part with $ every month that you feel you are just giving away, until you have the occasion to have a series of smaller claims or one big one. The first time I heard about pet insurance our first dog was older, but I had every confidence he would live for 8 more years. By the time I was ready to apply to ASPCA insurance, we found out he had liver cancer and died within a few days. That was a very, very, very hard time for our family. The bills incurred were also a huge shock! We soon decided our lives were not complete without a dog to love in our home. But this time, I was wiser, and signed up with the ASPCA Pet Insurance immediately. It is important to know that the pet insurance does not get activated until 30 days after you purchase it. Unfortunately our new puppy got sick under that time limit and we incurred a huge bill at the Vet again. But, I am happy that we have had coverage ever since, and unfortunately for our pet and for us, he has been ill multiple times and we have been happy to have our coverage!!! I suggest ASPCA Pet Insurance as a must to my friends and family who are getting a dog. It is no longer so painful to pay our monthly pet insurance bill, as we know that we have it there if we must use it. Just like there is a comfort in knowing we are lucky enough to have health insurance.

Very thankful to have ASPCA pet insurance for several years. Have had occasion to use it during this past year, and it is very fair. Simple to process claims. Very helpful. Reps also helpful when called. Highly recommended.

I am very disappointed in this insurer and do not recommend it. Given that the policy alleges that a client can use "any vet" and be reimbursed at 80% of the amount bf the vet bill, I wrongly assumed that this insurance would have a reimbursement rate of 80% based upon a realistic fee. Albeit certain "reasonable rates" defined by ASPCA are surprisingly high (eg $120 for a specialist consultation), others are absurdly low (eg $27. for a urinalysis regardless of whether it was done in house or sent out to a lab) and just slightly over $200. for a multi-organ abdominal ultrasound performed by the same specialist that ASCPA considers $120. an appropriate fee for a consultation. Finally, the "reasonable" fees do not appear to be available until a claim is filed although a customer service rep suggested obtaining an estimate from the vet and then waiting to have services performed until ASPCA has an opportunity to "evaluate it" Overall, I am finding that I am being reimbursed at about 50% of the vet expenses that I was promised would be reimbursed at 80%. This insurance does not provide me the peace of mind that I hoped it would provide when I purchased it. And the company appears unwilling to make their list of "reasonable fees" upon which they provide reimbursement available. Moreover, although the staff is pleasant on the phone, I feel that find it annoying and unacceptable that I find their lack of transparency about determining reasonable fees to be unacceptable.

I was very pleased with the timely manner in which my claim was handled. Also the very courteous interaction with staff members. Thank you.

I've used the pet insurance for well visits, sick visits and emergency. It has always been a comfort knowing my black lab, Hunter, has been covered for a wide variety of vet visits.