ASPCA | Pet Insurance Review

This insurance company is crap. I bought their insurance for 3 years, but do not notice any problem until I filed claims.My cat got an infection on her claw and seeing doctors from Sep 2011 to Jan 2012. Her insurance policy was renewed in November 2011. They only covered the charges from Sept 2011 to November 2011, and for the fees after the plan renewal date, they did not cover. They said it has to be 180 days after the plan effective date if this is a preexisting condition even I was a continuing customer. I dont understand this whole shit because my cat's infection had not been cured until this Jan. This is a continuing condition not preexisting!!!!! They said it doesnt matter if you are continuing customer and the condition is continuing. What they mean is that your pet should be sick at the beginning of the effective date and be sure that your pet is cured before the end date. If your pet get sick at the end of the effective date, not including the fee just before the effective date, the rest of the fees after that you will have to pay it yourself. I got zero from all the medical expenses. What a joke to buy such insurance. Think about it clearly, why you want to buy an insurance? You want to kind of purchase a protection. They are not going to give any kind of protection to your pet. I have already filed a complaint to the California Department of Insurance. This company is playing words with their customers and cheating their customers money.

Timely, efficient processing of claim. Form is easy to complete and hassle free.

I have had this insurance for my dog for the last 2 years and have been extremely satisfied with the service. I would recommend this insurance to anyone looking for a policy.

I got pet insurance days after I got my lab. Smart idea! Although I have been lucky and have not had any major emergencies, having the insurance did give me the support when an issue did come up. The peace of mind that pet insurance brings, for me, is worth it. Cheap enough to be possible on any budget, makes a HUGE difference when something does come up. I had an emergency vet visit that cost a few hundred dollars, getting 80% back made my decision of taking her in easy.

took one and a half months to find out that the coverage is not what they advertised and what I believed I am paying for, nothing was covered in the claim. (I have level 3 and $100 deductible, so only expected a small amount back anyway) Have now read other reviews on another site (easy to find, Google aspca pet insurance) and find that many people have the same or worse problems with non-coverage of their claim. I am cancelling with this company as I don't want to have them tell me my vet is too expensive, when they are actually reasonable for my area. I would rather put the over $500 a year into an account and pay it myself.