ASPCA | Pet Insurance Review

I bought this insurance years ago. I wanted to try out the idea of pet insurance since someone suggested it. They went with ASPCA so I decided to go with it too. I soon found out that their customer service was horrible. I called on the phone waiting to get a rep on the line and I'd wait a LONG time on the phone before someone would finally get to it. I believe it was more than 15 minutes and even longer on the second trial. This happened twice so I decided I'd better not go with this insurance company and decided to cancel it having it less than 1 month. They did not refund me my amount they took. They billed me for the whole month even though I had the insurance less than 1 month. I talked to them and they said this was the way it worked. Point being was I felt like this company was greedy and didn't think the about customers and their pets.

I just signed up for health insurance this past summer since my beloved cat is getting quite elderly. A month or so ago, he was attacked and had to be taken to the emergency vet. I forgot all about my ASPCA coverage since I was so worried about him. My husband reminded me and I filled out the simply and short claim form. I was notified via email when they received the form and when it was processed. My check was mailed very fast. I was so please with my experience that I am adding other pets to the policy. My only problem was that ASPCA excluded portions of the price of some of the services (and all of the price for the Feline AIDS test) based on local prices. This is normal for human insurance as well but it always irks me.

Be wary when selecting any pet insurance provider, read all the fine print. We had the insurance for a couple of years when our poodle developed a growth on her anal gland, the vet monitored it for some months then at the vets advice we opted to have it removed as it was growing. Because the growth was discovered during one year of insurance and removed during the next insurance year (which could be over a period of only a day, depending upon when your insurance year starts and ends), the claim was considered a "Previous Condition" and denied.If human insurance companies did this, it would cause a bit of an uproar, but pet insurance companies, in my opinion, have found and use to the fullest extent, the ultimate legal rip off.

I adopted a Puppy from a Local Animal shelter. She in the first year of her life, had some medical issues and without my ASPCA pet insurance, it would have been hard for me to get her the care she needed. It also covered her normal care and vaccines. It even covers the Flea prevention and Heartworm preventative.

We have a varied group of animal companions (or companion animals if you must), all of varying ages. We decided to try pet insurance and, after all the research we decided to go with ASPCA. We're really pleased that we did. We've been with them now for two years and will be renewing soon for our third. We have a variety of plans, because of the different circumstances of our pets, and we love the flexibility offerred that allows us to pick & choose. Every claim we've submitted has been either approved or denied within a reasonable period of time, and the denials were explained in clear language (usually just not part of the plan coverage for that pet). I am a medical professional and, frankly, if human health insurance was as straightforward as the ASPCA plan, we'd be in MUCH better shape! A concrete example: Our Pomeranian had eaten something (or maybe too much food) and was having terrible listlisness, no appetite and no "output". We were able to face down her $500+ bill with relative calm as we knew some portion would be paid by ASPCA insurance. Would we have taken her in and had her taken care of otherwise - of course - did this allow us to do so without putting us in the poorhouse? Yes. AND we weren't forced to make a choice of who got care when, the same day, our 1 yr old shepherd turned up with a laceration on her face. I haven't used any other pet health plan, but wont be changing either. ASPCA allows us to go to our trusted vet, pays quickly and has f