ASPCA | Pet Insurance Review

When we welcomed our Wheaten Terrier into our family 8 years ago we decided to insure him with Petshealth Care Plan Insurance. We of course hoped we would never need it but were glad to have it to fall back upon if necessary. All was well until a few months ago when he scratched his eye and repeated visits to his Veterinarian couldn't rectify the situation. He had to go to an animal eye specialist who had to surgically scrape the dead cells from his eye and then partially sew it shut to help it heal. After only one week she removed the stiches on his eye and he has been his old self ever since. Not only did Petshealth help us with the cost of his regular Veterinarian but also covered a great deal of the specialists costs as well as the subsequent medication. As with most insurers, they do not cover 100% but 80% of normal and customary costs. They processed our claims in a timely manner with no questions asked. Thank you Petshealth for being there when needed. It is a great feeling to know they will be there for us and Teddy if anything should ever happen.

I recently had to bring my cat to a vet, and it turned out he needed a stomach surgery. The total bill was about $2,000. My PetHealth insurance covered more than half of it - exactly as per my contract. I have to say this company absolutely has met my expectations in this claim, I didn't have problems, and they keep the monthly premiums low.

My cat, Tony, was acting differently and not interested in playing. Within 2 days he was crying and had lost his appetite. The vet we found he was constipated. He was so backed up they had to put him under anesthesia and physically remove the blockage. I knew it was going to be expensive but with my pet insurance 80% of the cost was covered. Now Tony is feeling great and we owe it to ASPCA Pet Health Insurance!

Petshealth bills your credit card biannually (every 6 months). My dog was insured continuously by them for over 10 years. He had surgery in late Sept 2009 for a mass on his chest. The insurance company refused to pay on this claim because there was a 90 day period where they would not pay for a pre-existing condition. That meanst you could only have surgery during the final 3 months of each 6 month period without the condition being "pre-existing." In short, you are paying for 12 months to get 6 months of coverage--a total ripoff! On the positive side, they paid pretty well when we had an emergency that required a trip to an animal ER. I would not recommend this company becuase of their "pre-existing" policy. It is unethical, but they argued that they were not covered under health insurance laws in my state because dogs are "just propert."

My 2 year dog was hit by a car. I took him to a emerg. hospital and had several weeks of going back and forth to the regular doctor they paid me back very quickly and I am happy with this company.