ASPCA | Pet Insurance Review

My 70+ lb. labradoodle had terrible gastritis andthankfully was treated and fully recovered. I submitted the vet's bill and the covered portion was paid to me without further question.

While I appreciate having the insurance for my dog - and I really do - I have some issues. One is the customer service: they're mostly good, but they're also a bit rude. The other, very key issue, I have is their definition of a pre-existing condition. By their definition a pre-existing condition is something that occurred in any billing year that is not this year. So, for example, our dog has epilepsy. Her first seizure was in 2010. She was officially diagnosed in 2011. Because her first seizure was in a previous billing cycle, the epilepsy counts as a pre-existing condition and they won't cover ANYTHING related to the epilepsy - and that includes the daily dose of phenobarbital she takes. I really like what they're doing, and I really hate their idea of what is pre-existing. That said, they're the best pet insurance out there.

I was not happy with my claim payment

I bought this insurance for my daughter and her new puppy over two years ago. We were in a training class with three other families and their pups when one week we learned that "Daisy" wouldn't be back in our class because she had been hit by a car. She had a family who could afford to get her the surgery she needed on two broken legs. I knew that if such a catastrophe happened to our "Jameson,"my daughter, who had just graduated from college, could never afford hospital emergency care, so after some research, I bought ASPCA Pet Insurance for "Jameson." Two years into the coverage "Jameson" became very sick, vomiting blood and dehydrated due to the vomiting and diarrhea. Medications, x-rays, and IVs cost close to $500. We were very pleasantly surprised to find most of these costs covered and reimbursed. It was a huge relief to know we could quickly get the care "Jameson" needed without worrying about how we were going to afford it. Thanks, ASPCA Pet Insurance!

ASPCA insurance staff are very helpful and caring. Unfortunately, it takes a very long time to process a claim (over a month).