ASPCA | Pet Insurance Review

My lab is only two years old and I have already filed three claims on him! Each time, I was pleased with the quick replies that I received when I filed my claims. I am so glad to have taken out the insurance, as I knew my full-blooded lab might need special help as he matures. I was so relieved that I had insurance.

My 16 # medium hair white/orange male fixed cat, Frankie, is a very sweet cat- but over the past 4 months has been in about 6 cat fights. Injuries have been to his face and neck-- no abscesses as we've gotten him quickly to the vet. Fortunately, the ASPCA pet insurance has been there for him and helped us a lot toward his vet expenses. Frankie is an inside/outside kitty but is pushing the limit as to if he gets to go outside again-- don't want to have another meet up between Frankie and the striped young male cat who's moved into the neighborhood.

We really like ASPCA Insurance. We love the peace of mind that it provides. The only bad thing we have found is that we have trouble knowing if the claims are received. It seems to take an inordinate amount of time to have them reviewed and logged into the system. There were a few that were supposedly not received, so we had to start sending the claims in with a return receipt. If we send them in by regular mail, it seems to take three weeks before it shows up in the claim folder. If we do a return receipt it will be about a week and a half.

After our last two beagles had serious (translates to very expensive) health issues, when we got Teddy and Charlie we decided to purchase pet health insurance - to at least help defray the unexpected. Talk about "unexpected" - to date - Teddy was diagnosed with the rarest skin disease an animal can have - fortunately the veterinary dermatologist ($$$) is almost certain he will be cured and not need the very expensive medication for life! Charlie ruptured a disc between the 3rd and 4th vertebra - swelling and hemorrhaging caused complete paralysis within 24 hours. After neurosurgery ($$$) on his spine and a week in recovery at the specialty hospital, he was up and walking (very slowly!) - he continued to improve over several months and is a happy playful beagle again! For me, there is no alternative when the boys are young, and otherwise healthy and active and give us more love and laughter than seems possible to return. We are glad we've got ASPCA Pet Insurance! Living in California translates to higher costs for veterinary care, but at least the insurance has been helpful in putting a little dent in the costs incurred. We have been reimbursed reasonably (considering the costs of treatment and care for veterinary specialists in California!), certainly they have more than covered the costs of premiums - we do not regret our decision to get health insurance for Teddy and Charlie!

Broke his toe and needed medical attention which lasted in total for nearly a month. As I received the invoices I downloaded the claim forms and forwarded them for consideration. I was pleased with the processing time. One aspect that I did not appreciate was the fact that a seperate amendment had to be added to the insurance called continuing care and the time limits if injury occurred again. It limited the insurance coverage unless you paid an additional fee which was not clearly stated in the coverage when first purchased. That aside IM pleased to have coverage for my pet.