ASPCA | Pet Insurance Review

I have been a customer for over 10 years having insured several of my cats. My 10 year old healthy Maine Coon died suddenly from heart failure and the over $1,400 claim was handled efficiently. However, I appealed the payment as I thought some of the items could have been covered more. They reviewed my claim and sent me an additional check. We continue to have coverage on another cat in the household and I would recommend this company to anyone.

I've had ASPCA on two different dogs. They helped me with everything at the end of life for my first one. My new dog broke a tooth and it was absessing. They were quick on their part of the payment and soon I will update to the regular plan when she is older.I also appreciate the one time deductible instead with each occurance.

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We adopted a Schnauzer (mix) from our local humane society who, at the time, was about 3 years old. Because we weren't sure exactly what we were getting (we were told to take him to a local vet for a free initial exam) but still, who knew if he would have a heart condition or something that would be expensive to maintain. So, why not start him out with some insurance and that's exactly what we did. Altho we've had our dog for three years now, he's a healthy son of a gun but it's good to know that ASPCA is there. We've had to put in an insurance claim just once (he was bitten) and a check was in the mail within a few weeks. I recommend pet insurance to everyone, especially if they're adopting.

I have a slightly pricier vet than average, but have priced about half a dozen more in my area for various procedures and what ASPCA Pet Insuarance allows is about 60-70% of what is actually reasonable and customary in my area. I have submitted several claims and, after deducting everything that is disallowed or not covered, I usually get less than 50% back. I'm sure they're fine for basic injuries but while I was trying to diagnose a complex problem I had way to much out of pocket expenses to justify the high annual premiums.