ASPCA | Pet Insurance Review

My baby, Molly had a tumor on her ear that I could've never afforded surgery for without the pet insurance. It took about a month to be reimbursed cause they were reading the fax number for the vet incorrectly. I guess even pet doctors have messy writing? What matters is I eventually did get the reimbursement. And even better, Molly is tumor free and happy!

I bought ASPCA for an 8 year old golden retriever when I first adopted her, and the premium was reasonable $25 per month. When she turned 10, they increased it to $45 a month. I thought that having a prior relationship with them would mean they wouldn't overcharge just as my pet ages. Also, the policy can vary from state to state. I adopted my dog in Montana, but currently live in Oregon. I just found out that due to policy changes in Oregon, my dog is no longer eligible for ASPCA insurance. Oregon's rules essentially require that ASPCA insured dogs have the "extended care option". I would enroll my dog in it, but they will not enroll any dogs over age 8. I'm pretty ticked off that ASPCA is essentially kicking my dog off of their plan just because she aged, and that now I'm having to search for new insurance plans and enroll a 10 year old. (It's insanely expensive). When I did submit claims, they were generally accepted and reimbursed promptly. In this regard, ASPCA was better than my human health insurance. Claims I submitted were fairly minor and included a hurt paw, eye infection, and metabolic panel.

I am retired and on a fixed income. When my dog was mauled by 2 pitbulls, I put all my savings into his care. Getting most of it back was a lifesaver. You all saved me and Casper is alive and well. Thank you so much.

the worse insurance ever !!!!! i did an operation for my dog it was about 6000$ when i called ASPCA to find out whats going on with my check they sad "Oh but your insurance plan was changed" So they did not gave me even a penny !!!!!!! How is it possible !!!!!!!!!!! how can they change insurance policy without letting me know!!! ASPCA - NEVER AGAIN!!!!!!

ASPCA = Horrible insurance! I had to keep this insurance for a few years since my dog developed skin issues after i enrolled him. ASPCA tells you that they pay 80% but forget to mention that is 80% of their pre-calculated costs. For example: I was charged with $60 a vet visit - they are paying you 80% our of $40 only. Another example would be a CBC (blood work) test that costs %191.00 they pay back 80% out of $136.35 (their limit). Luckily since my dog was getting older I decided to get a secondary and tertiary insurance – PetPlan and Trupanion. Let’s not even talk about exclusions code – everything is excluded!!! 3 weeks ago they paid me $20 out of $60 for Baytril and after getting a refill 2 weeks later when they decided that now it was for a different condition and they denied it – REALLY???? You try calling them and talk with them rationally - all what they can tell you is reading from a piece of paper “you exceeded you limit for this condition”. In May we discovered a tumor in my doggy’s spleen. We had the surgery and started him on alternative medicine treatments as homeopathic, holistic and o-zone therapy to not let the cancer come back. I AM SO GRATEFUL I got PetPlan!!! They cover 90% of the actual VET BILL as well as homeopathic, holistic, EVERYTHING!!! It is amazing to see that I am getting my money back. It may take them a bit longer than ASPCA to complete the claims but hey I rather wait an additional week and get my money back. I cannot say much about Trupani