ASPCA | Pet Insurance Review

We adopted Shawnee from a rescue organization when she was 4 1/2 years old and recovering from a fractured leg. Her former owner had not kept her on leash when out walking. We decided to get pet insurance for the first time and looked at 2 or 3 plans...ASPCA compared favorably. Two months ago, Shawnee had GDV, or Bloat, and had emergency surgery. We took money out of savings to pay the vet, and it was a blessing to have 80% of that expense reimbursed by our pet insurance. I volunteer with German Shepherd Rescue of NE, and we do discuss pet insurance with our adopters; many don't know it's available.

I feel more secure about going to the vet, knowing that the burden of expense will be offset a little bit by insurance.

I am the sad owner of this pet insurance policy. My Collie had a gastric attack that required emergency vet care. He was diagnosed with Pancreatitis and deathly ill. Total cost was $2,400. I was confident that his pet insurance would take care of 90% of the bill. WHAT A JOKE! I submitted the claim and did not hear for nine weeks. I had to call customer service and although I had submitted the billing statement from the vet, they wanted more info from the vet. Never contacted me, and so I waited and waited and waited. NEXT JOKE- They reinbursed 1,571.00 because that was the anual limit! They tell you about lifetime limits but never about annual limits. WHAT A RIP-OFF!!! Now I can look elsewhere, but this condition will not be covered.PEOPLE, THEY ONLY COVER A PERCENT OF EACH MEDICAL CHARGE. BUYER BEWARE!!! I have another provider-24 PetWatch- on my Sheltie and they are the best. Fast turnaround, refund exactly what I expect.

I think it great to have pet insurance, especially when you first get a puppy and just to have it just in case something was to happen. I own a bichon frise, and he has gotten sick alot with allergies. ASPCA, only covers certain items and covers 80% of what they think a vet should charge. I found a great vet in my area, but she is pretty pricing, but I feel so comfortable with her. An example, my dog just had a heartworm test, $75, ASPCA, only covered $35, times that my 80%, I recieved $28 refund. I have had this insurance for 2 years, since my dog was 8 months old. I will not be renewing this insurance.

I have had pet insurance on my american bulldog Bandit for 2 yrs unfortunately he developed cancer in his testicles and had to have them removed. I wish i would have had pet insurance on my other american bulldog who was diagnosed with a brain tumor which cost me about $7,ooo.00 to try to cure. Unfortunate he was diagnosed to late and I had to put him down. MAYBE with earlier diagmostics he would lived longer then 6 years old. I now think that all animals with the food that they eat are now prone to human health problems. pets have been domesticated for centuries, only since the 1930's when the FDA originated and the food was not allowed for human consumption was it made into dog and cat food. I am up in age now and Bandit is like another son and he depends on me to protect and take care of him. Thank You.