ASPCA | Pet Insurance Review

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.

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.