ASPCA | Pet Insurance Review

I am disappointed with Petshealth for seveal reasons:1. While my policy covers 80% of reasonable and customary expenses, I wind up with roughly 50% reimbusements. Your "reasonable and customary" values are not representative of fees in the NYC area. 2. Your policy of classifying any chronic disorder as a pre-existing illness when a new policy year begins is not humane! You consider pets to be property; policy holders consider them to be family. When you finally offered coverage for illnesses that begin in a previous policy year, my dog was excluded because of her age.

Our two North African mixed breed dogs and our three Tunisian very mixed breed cats accompanied us to California where we wisely signed up for ASPCA after looking at choices. Now we are left with Baby and Tiger, who like their "care-givers" (us) have become elderly, creaky and cranky. Baby was recently hospitalized for a severe eye infection, and was found to have abscessed teeth requiring removal, and several other less serious ailments. Confused by the reimbursement procedures, I was able to get advice from ASPCA by telephone and found their explanations precise & fair.

We had a male cat name Ivan. He was about 22 lbs, gentle and generally ignored by 3 other female cats. As time passed, Ivan at 14 years, was our only cat. We did not have pet insurance at that time, and when Ivan developed diabetes we had huge bills. At about this same time, we adopted a lively, 3 month old female we named Addie Joy. We had our minds made up that we would enroll her in ASPCA Pet Insurance because we never know what the future will bring. Addie and Ivan were instant friends. He had waited so long for a friend and she loved him like an older brother. Addie kept Ivan active and he taught her not to bite or scratch. For three years they were inseparable; we marveled at the tenderness they exhibited for one another. When Ivan died, we observed an immediate change in Addie: she wasn't eating, was lethargic, cried and paced the house looking for Ivan. That was sad enough, but she was not responding to our attention or pleas to eat. We visited a vet who specializes in felines and were told about pet grief. We were grieving and so was Addie. We kept on inviting her to play and eat; in a few weeks she slowly came back to her playful and opinionated self. Without insurance, we might have ignored her symptoms, not had a check up or consultation on how cats handle loss and how to support recovery. We know that whatever happens in the future, we will do our best for her, as we had done for all our pets, but we have the assurance our budget will never cause us to think twi

Just last month our 9 month Pitbull puppy Cali had a scare when she somehow got ahold of some really strong glue and swallowed some of it. A week later she had stopped eating and going to the bathroom. So finally on our second visit to the vet with her they told us the next steps to figure out what was wrong - x-rays, blood work, maybe surgery - and proceeded to tell us the costs associated with these services. Our dogs and cat are family, and for family there are no limits. We would have done anything for our baby girl at that point. We wanted our puppy well again. We agreed to have x-rays done...which revealed a full tummy on a dog that hadn't eaten in almost a full week. This brought us to the inevitable surgical procedure that would allow the veterinarian to remove a softball-sized ball of this glue from Cali's stomach. But before this even took place there was the discussion of how we would pay for this costly procedure.Fortunately I had signed up both of our dogs for insurance back in May of this year and the vet's office was more than helpful in helping us fill out the insurance claim form. I must say that the little amount of money we have spent since May on the monthly premiums for our dogs ($10 for each) is nothing compared to the relief I felt when I opened my email this past Saturday (about 2 weeks after it all happened) to see that the claim was completed and even more so when I read the Explanation of Benefits document in the Member Center and found out the am

I didn't hesitate to bring Cauliflower over to the Vet when we discovered she had a gaping hole on her backside, because I knew that I had insurance that would cover a good percentage of the bill. Cauliflower was at the same Emergency vet a couple of years ago, and it was the first experience with ASPCA Pet Insurance. I was satisfied with their decision, and that is why I continued with them. I feel they are fair in their reimbursement policies.