ASPCA | Pet Insurance Review

I decided to get pet insurance when my husband and I adopted our first puppy at 3 months old. We adopted a puppy from a rescue and within 24 hours of getting the puppy home it came down with Parvo, once recovered from Parvo he got Kennel Cough and then rounded out with a bout of Phenomena. Needless to say he earned his name, Murphy's Law. After we nursed our little guy back to health we looked into various pet insurances (thinking if the beginning was any indication of this dog - we needed to cover our bases). ASPCA is the best pet insurance out there (even better the the insurance our Vet recommended.) Before signing up I was able to call and talk to someone about all my questions and walk through a couple scenarios ( this enabled me to see which insurance was easiest and I got the most money returned to me). ASPCA won out my a landslide. Just in time too, as our puppy got fixed he was allergic to some of the medications that were prescribed and then shortly after got bit by a tick that caused some awful temporary paralysis. These unexpected claims were sent off, responded to in a quickly manner and then we received money back. We even got a phone call from a ASPCA representative to check in with us to see how Murphy was doing - they noticed we had a few claims recently and wanted to insure Murphy was better and that he was receiving everything he needed. All in all ASPCA has made owning a high maintenance dog, somewhat easy!

My 13 year old cat had a ruptured anal gland. I took her to the 24 hour emergency vet first, then followed up with a visit to her normal vet. I was reimbursed almost completely for her normal vet visit, but the emergency vet had some pretty high fees, so not everything was covered to the 80%. That's ok, though, I was glad to get back at least part of the money I had spent. I did feel like I needed to keep checking on the reimbursement though, because it took quite a while to get resolved.

I have had the ASPCA insurance now for about two yrs for my min pin GIGI and less then a yr on my st bernie mix Fiona. The weekend of mother’s day 2011 Fiona started with an onset of diarrhea. It was not bad to start on Friday but by Sunday it was getting worse and now included Jell-O like blood, so for fear it was something serious, we went to the Emergency Room. The vet did blood work, gave her some injections, some antibiotics and sent us home. Unfortunately this is not my first claim with her but after a $195 ER bill my refund was for $132. I'll take a $65 vet bill over 195 any day. Thank you ASPCA for all your help and being there for me when I needed you. Grant it not all was covered, but w/o the pet insurance I would be in a tighter bind. Having this insurance now a days is a must and this is the one thing that will not be in my budget cut!! Thanks again for the great service and protection. I don't know what we would do without you!

Both of my 14 year old cats began to lose significant amounts of weight over the course of many months. Aside from the weight loss they are both doing very well. We ran a variety of bloodwork tests, x-rays, vet visits, & an ultrasound to try & figure out what was going on with them. The bills mounted, especially since we were trying to determine what was going on with both of them at the same time. It was nice to know that everything I was doing would be covered by pet insurance. The claims are easy to submit, the ASPCA Pet Insurance kept me informed on claim status, & in the end reimbursed everything that I expected them to cover less "customary & reasonable" expenses. (I received just less than $1,000 back from them). I struggled with whether or not to have pet insurance, but in the end decided that since my cats were getting older there was a higher liklihood that they were going to be diagnosed with something that could require expensive treatment or we would have to run a bunch of expensive diagnostic tests to determine what might be wrong - this is why I chose Level 2 - to help cover these types of unexpected, important, & expensive veterinary services.

I've thought of cancelling because my paycheck hasn't kept up but then I think the day I do will be the day my dog needs it most. I've paid over $1200 when my 4 inch pup ate an 8 inch tube sock and over $900 when my daughter's dog got hit by a car. I've received reimbursements for treatments that I'm very grateful for. I will continue to pay for the peace of mind.