ASPCA | Pet Insurance Review

I currently have two dogs that have Petshealth Insurance, and will always keep them insured. My last two great dogs cost me thousands of dollars, so I purchased plans for the current two when they were pups. True, not every year I break even, but I know they are covered and that's a feeling. One ingested 42 earplugs a little over a year ago, and the reimbursement for that incident alone will pay for his insurance for more than two years. Information and payment has always been timely. One thing...it would be nice to have a "reasonable cost" chart. My vet is very careful with costs, and it always surprises me when I am only partially reimbursed, even for vaccines. Having the information before treatment would take out the surprise factor, and may help with disappoinment for all of your clients.

I purchased this insurance for our Akita who is now about 9 years old. Luckily, I did not need to use the insurance very often as this pet has been fairly healthy. However, the policy offers peace of mind when it comes to unexpected medical expenses. It makes it easier to concentrate on diagnosis and treatment options without the monetary concerns guiding the outcome. I would find it more convenient if I did not have to submit the paperwork on my own as I often neglect to do so after I return from the vet's office. Someone mentioned to me that it would be helpful to fill in the basic parts of the paperwork and use it as a template for future vet visits. I plan to do this in the future to enable more timely submission of expenses.

Claim was handled promptly and effeciently. I hope in the future you will allow some discounts or coverage for wellness checkups as that encourages pet owners to take their pet once or twice a year for check up, which is important. I had an illness for my cat this year and also her wellness checkup. Because I went for the illness and submitted a claim, I got a check for the wellness checkup. Otherwise my pet is healthy and the wellness checkup have never been covered. I hope you can correct this. Thanks so much.

We've had pet insurance for both of our dogs since they were puppies. We've tried several different companies, and we've honestly been happy with most of them. We're currently with ASPCA because their plans best met our budget at this time. We've used them for wellness coverage for the last few years (the level 3 plan), as neither dog has needed much more. I do have to say that our vet is one of the less expensive options in our area, yet the insurance company hardly ever covers their expenses completely, citing them as being "beyond reasonable costs for the area." This is rather frustrating at times, as we then have to pay beyond our deductible and the 20% coinsurance. I can't compare the coverage of other insurance plans in our area, as we've only had ASPCA since moving here three years ago. Recently, one of our dogs got extremely sick and needed lots of expensive bloodwork and tests. ASPCA pet insurance covered much of it (minus the deductible, the coinsurance, and the vet charges they deemed unreasonable), which was extremely helpful to us. The claim submission process is relatively quick and easy, and we had our reimbursement within 2-3 weeks. We were pleased with the process, and we feel it is worth it to have pet insurance for peace of mind in these kinds of situations.

I feel the coverage is adequete and the premium is reasonable.