ASPCA | Pet Insurance Review

I got ASPCA for my english bulldog right away when i got him, he was only about 10 weeks old. Well, while waiting for the insurance to kick in which is usually 30 days, he ended up having pneumonia, so he was coughing and vomiting, so I took hime to the vet, he ended up in the emergency hospital for a whole weekend which cost me an arm and a leg but I dealt with it since the insurance waiting period didn't kick in yet. So about a couple months after, he started vomiting again and after having an xray done, nothing showed, he needed to be hospitalized several times due to dehydration but I didn't really worry since i already had insurance. Well, after going back and forth to the vet, I decided to take him to a different vet where they did an ultrasound and found ulcers in his esophocus and stomach. very expensive procedure but again I thought I don't have to worry, ASPCA will cover 80% of all that mess. Well I was wrong. After he was cured, I was well over $5000 dollars from all the tests, hospitalization and all. I sent in all the claims and they denied it saying since he vomited before the insurance kicked in, they are calling it pre-existing. I got a letter from each vet stating that he was vomiting before due to pheumonia, this now is ulcers and it should be covered. But they denied everything. And whats worse is that I got the best plan that I pay over $60 a month. They said I can write a letter stating why ASPCA should pay but honestly, I highly doubt that will help. Any

I have small dog and I bought the insurance as a safety measure. I have used it and think it is great. It certainly helps with Vet bills. My dog doesn't have any major medical problems but having reimbursement for heartworm and flea medication is great. I would recommend pet insurance for everyone who has a pet.

We have used ASPCA Pet Insurance for 3 years, and find it would have been very difficult to afford good Vet care for our Golden without it. We are retired and on a fixed income, but believe that the pet insurance is as important as our own health insurance. We get what we pay for...ASPCA is careful when approving payment under our plan; but we have always been satisfied.

I have had great service with ASPCA Pet Insurance. There is always someone to talk with. They are friendly and clear. The program I have selected suits us well. I had two claims last year and the process was easy to follow on line and the payments came in a timely manner. They even notified me via email. So far so good!

At first we were skeptical about pet insurance, is it really neccessary? Yes!!! Being that we now have 3 dogs ranging in ages 4 months to 13 years we can see the reasoning behind it. We have our oldest dog diagnosed as diabetic and 2 younger Labs that are super mischievious. It has given us peace of mind that if something isn't quite right there is no need to wait to get them taken care of! Would you wait on your kids to the Dr's? Our 3 year old Lab became very ill at the age of 6 months and 3 trips to the vet later she is happy and healthy! Best part was knowing that after a total of $1500 we were reimbursed a good portion of that. That in itself paid for the policy. Just like "our" insurance policies there are exceptions but I would recommend ASPCA Health Insurance to anyone!