ASPCA | Pet Insurance Review

I would just like people to know that when a policy renews, if the animal (in this case my cat) has had a problem in the prior policy year, it will be considered a pre-existing condition for the next policy year. My cat started to get sick in November 2010. An ER visit and several vet visits to try and find out what was wrong were reimbursed to the extent of the policy. However, wasn't until mid Dec they finally found the issue - a brain tumor. Unfortunately, my policy renewed on Dec 1, so the biggest expenses - the cardiopulmonary ultrasound, the CT scan, anesthesia, overnight hospital stay, etc. were not covered since it related to her prior condition in November. So watch when your animal gets sick and when your policy renews. Timing is everything and it certainly was in my case.

Ever since I'd heard about pet insurance plans many years ago, I'd thought about getting it for my dogs, but in those early days the plans & service didn't seem "worth it." Last year, having 2 senior dogs & 3 younger dogs, I finally decided it was action time. Barely 2 months after my policies became effective, I was taking one of my dogs to our regular vet for stitching up a mystery laceration on her leg (they alo put in a drain to help the healing). A few months after that, a different dog was rushed to emergency late at night for stitches for a large laceration that went right behind & underneath the right eye (just missing the eyeball). The ER Vet added a drain to help heal the cheek area where the epidermis had somehow become separated from the supporting tissues. Then just 3 days after that, I was back in the pet ER at midnight with yet another dog who had eaten a pound of rat poison! During the treatment period for the poisoning, my dog was seen by 3 different Vet Clinics (the ER, the regular Vet & a specialist) - ASPCA Pet Insurance covered all the claims with no extra questions nor any problems! Needless to say, I incurred a large amount of emergency vet bills in under 6 months. Having the ASPCA Pet Insurance was such a big help! Submitting claims is very quick and easy and I have no complaints about the customer service. I love being kept up-to-date with where they are in the processing of my claim & then beong able to view it all online. I'd prefer not to have

I adopted a little pomeranian that was in good health...but he was older. They estimated about age 8. I knew that his health would catch up with him and I knew that Pet INsurance would be a great idea. thanks GOD, I did it! My poor little guy has had several trips to the vet and tests, etc. If i didn't have this insurance I would be out a lot of money.

You never know what you might run into when you've got dog(s). ASPCA's insurance plan is easy to understand and easy to manage on their website. Bills can add up quickly! You do pay the vet the full amount right away, but it is nice to know that you have someone taking care of you, and your dog when you need it. If I had one thing to change, it would be to change to the pre-existing clause. Otherwise, ASPCA pet insurance has been a helpful asset to have.

We have been very happy with our insurance through ASPCA. It is a relief to know that our dog is covered if any problems come up in the future. I would highly recommend their insurance.