ASPCA | Pet Insurance Review

We recently took a trip to Georgia to visit our daughter and her family. During our stay our dog Nico who is a Shih Tzu became ill. We didn't know how serious it was until the third day when he stopped eating and began vomiting and diarrhea with blood. It happened to be the fourth of July weekend and the only vet that was opened was the emergency vet. We took Nico and they diagnosed him to have a upper GI infection and that he would have to stay overnight. They estimated the bill to be approximately $700. The doctor said he would let us talk about it before making a decision. In our eyes there was nothing to talk about. We wanted Nico to have the kind of treatment he needed no matter what. The vets were great with him. He stayed overnight and was treated with antibiotics, IV for liquids and also for food. After picking him up and making the trip back home, I submitted the bill to ASPCA and they were all I thought they would be. The vets gave us an itemized bill for his stay which came to 697.00. I turned this into the insurance and within 4 weeks they covered 80% minus my deductible. We didn't need to choose like most of us do when you are presented with an emergency illness. Pet insurance should be the first thing you think about when buying an animal. I would not be without the coverage and peace of mind.

I had this company for over 8 yrs..never filed any claims..i was lucky..my pets had not gotten sick. My policy period started on march 1st. This company starts the policy period over EVERY year. My cat was diagnosed with kidney failure on march 17th...now i should have been covered for ALL of his bills that entire year..BUT Petshealth said that even though he was diagnosed on the 17th of march..the condition was there prior to the policy period of march 1st. In other words they didn't want to pay. They said that even though i didn't know about the kidney failure in there opinion it was there before the 1st of march and therefore was NOT covered. So then i sued in small claims court. Before the court day their attorney called and said i was going to lose,,,i said i'll take my chances..the attorney said that i had to prove the cat wasn't sick before the 1st of march...i told him..NO I'M SUING YOU...YOU HAVE TO PROVE THAT HE WAS SICK BEFORE THAT....let's just say they settled out of court..and the following year they chose not renew any of my policies. I now have gopetplan and there just isn't anything better out there..read the reviews on them and everything is true..they simply are the best AND in some states they insure older animals...i was able to insure my 15 yr olds!

This is the first time I had pet insurance and I have found it great to have. Both of my dogs were sick this year one had dog flue and one had pneumonia and the doctor bills sure can mount up so it sure helps to have pet insurance to help out.

If it wasn't for aspca insurance for t-bone and painter I would not beable to maintain their good health, especiallt with t-bone with his ear infections since he has long ears. MY vet even comends the aspca health insurance, he say's it is the best. THANX AGAIN ASPCA Roberta Simpson and t-bone and painter

My older lab developed cancer. We were told we could extend her life with surgery and chemo. We went ahead and had the surgery, but we were too late, and lost her a week later. ASPCA insurance has a PER INCIDENT maximum. They counted all her exams as well as the surgery as a single incident. We were only reimbursed for a fraction of the cost. I recommend that you look for insurance that does not include the per incident maximum. (They also only covered "reasonable costs" which were usually far less than my vet charged.)