ASPCA | Pet Insurance Review

I bought ASPCA health insurance policies for both of my dogs. I was stunned to learn that they do not pay the full amount of the veterinary charges, but have their own "price list" of what care should cost. Then, they sell a policy with an $8000 annual insurance maximum, BUT if you read the fine print, the limit is $1500 PER illness. One of my dogs was just diagnosed with Attison's Disease, and the cost of treatment was over $3000 dollars. ASCPCA only paid 80%, and stopped paying at $1500. When I went over the claims, ASPCA has only been paying around 60% of the cost of pet care when you include their 80% coverage and their maximum price office visit and other charges. I am switching to Pets Best, which pays 100% of veterinary charges, and does not have a limit per illness.

I have a 6 year old toy fox terrier. I have had ASPCA Insurance since we retrieved Gracie from the breeder. We did submit claims for 2 minor illnesses and the response was very timely. recently, Gracie became very sick with severe abdominal pains and it just happened over Memorial day weekend. We had to take her to the 24 hour emergency vet hospital where we had to admit her. Thankfully, they took good care of her and treated her infection and we brought her home the next day. ASPCA reimbursed us for 80% of the costs minus the deductible...and they did it, again, in a timely manner. We are very pleased with the insurance.

We got the ASPCA pet insurance after our cat got necrotizing fasciitis a few years ago and we learned about how much things like this can cost (about $7000 in that case). When our cat was attacked by a stray dog, we had to take him straight to the vet hospital and not worry about the cost. Having the pet insurance, which paid for a very large chunk of this bill, was a real relief to us.

I have 7 cats....used to have 8 but one had to be put to sleep in June....I am very happy with ASPCA insurance.....it would be really hard to cover all my pets otherwise

We are very happy we had purchased ASPCA health insurance for our Abby. At our vet’s prior recommendation we purchased the basic plan because she is only 3-1/2 and healthy and never thought we would use it. Two months after she tore her capsule around her kneecap, not a typical injury and not known to breed. I was worried that being new to the service we wouldn’t qualify, but after speaking to a representative we were happy to learn that we would recoup 80% of her surgery cost. We were thrilled! While I had some issues with the website at first, I can attest that every time I spoke with a rep, they were courteous and extremely helpful. I just don’t want to have to use them again too soon....for us, not them!