ASPCA | Pet Insurance Review

Purchased this insurance when I adopted a neighborhood cat, Miso. He was an older feline and we believe he received an abscess from a spider bite. He was very sick and it took months for him to recover. ASPCA pet insurance paid the claims quickly and I was satisfied with amounts of reimbursement. Then last year he became very sick with numerous liver and pancreas problems. Again, ASPCA Pet Insurance paid the maximum amount of my policy quickly. Miso passed away last month and when I remembered to cancel the policy I had a refund of my premium in less than a week. They also sent a condolence card which I very much appreciated. I will definitely purchase this insurance again when I adopt a new pet.

We left our 2 dogs at a pet hotel for 2 nights while we attended a family obligation. On our way home the hotel called to say Louie the pug, wasn't walking. He couldn't stand up to be bathed. A pet hotel employee met us at the emergency vet. The vets report questioned if Louie had a serious, inherited, spinal problem. The cost to diagnose and prognosis was daunting! Louie was over-night at the vets to receive medications. Lucky went home with us. Before the night was over we were back at the emergency vet with Lucky. He had a spider bite which caused a whole body rash. The bite could have been life threatening. Louie left the vet walking the next day. The vet said it was a minor spine problem - but we always wondered if he had been spider bitten as well. Or had lyme disease. You just don't know what the next 24 hours holds for a pet, but we breathe easier knowing we have ASPCA insurance to help us. We've been back to the emergency vet many times. If I see another pet owner distressed from vet costs I always recommend ASPCA.

I like ASPCA better than the last insurance company I dealt with. It does seem to take a long long time for the claims to be processed, though. That's my only negative feeling about this insurance company.

Our most recent claim involved a late night trip to the emergency vet, xrays and ultrasounds -- none of which are cheap. Submitted $1400 worth of claims and received $800 back from ASPCA, which more than paid for the year's premiums. Adding to the overall value is the pleasant customer service team, who have consistently been friendly, sympathetic and helpful on the phone. My one complaint would be what I feel is ASPCA's unfair comparison of what they consider the fair/average rate for vet services as they don't seem to take geography into account; EVERYTHING is much more expensive in NYC, so not accurate to base reimbursement on what the going rate is in other states/cites. Regardless, still worth it.

We've had the pet insurance for a few years, but finally had an incident where we REALLY needed it. My cat had a serious illness and had to be rushed to the emergency vet and kept overnight for several days--and have surgery. Two hours after we had to drop him at the ER, my husband sprained his ankle and was out of work without pay for 4 weeks. Luckily we had the ability to front my cat's medical expenses, but even more importantly we didn't hesitate to take on all of the mounting costs for my cat because we knew we'd have 80% reimbursement (at least until our maximum amount per illness at our level). Without that knowledge, it might have been a heart wrenching decision to make simply because of a lack of finances. The reimbursement literally saved my cat's life and helped us pay our mortgage the next month. Correspondence with the claims department was fast and easy.