ASPCA | Pet Insurance Review

I hope this company will prove me wrong, but every single thing that they take care of, even eye infections, are excluded in subsequent years policies. Each policy is only good for a year. It is not like human insurance where PRE-EXISTING is defined as PRIOR to any insurance with the company. This company, and most, consider pre-existing as the year prior, so any care you get will never be paid for again unless it is preventive. This includes eye infections, indigestion--in other words things that are not chronic in nature but are one time things--they exclude EVERYTHING on future policies. PLEASE comment on this. Thank you.

My dog, Olivia, was attacked by a Labrador Retriever which is not an even match for an Italian Greyhound! Very Fortunately her injury was limited to a bloody and large skin laceration -- serious, but no ligament or bone damage. It was on a Friday night and local animal hospital agreed to see her on an emergency basis. My priority being the injury and pain I didn't think in dollar signs until they handed me the bill - ouch! The injury had to be resutured 4 days later - another pricey event. I submitted each claim as they happened and was very pleased with ASPCA's first reimbursement BUT I expected that the second suturing would not be covered. Some days I just love to be wrong, ASPCA again reimbursed my costs very fairly. Olivia's injury has now healed; having ASPCA Health Coverage hasn't resolved her PTSD but I sure helped mine!

Everyone I've ever had contact with from PetsHealth Care Plan has been very friendly and I'd recommend them to others considering pet health insurance.

My baby Lucy was throwing up and needed tests done in order for us to see what was going on. I was pleased with the reimbursement that I received for all of Lucy's tests. However, I was just a little disappointed on how long it took to receive payment. I waited two months! I was asked to submit the invoice and bill of Lucy's procedures and come to find out that wasn't enough. My claim was put on hold because you needed to receive the same information from my vet.

I've had my three dogs insured for two years now. Having the insurance has been helpful.