ASPCA | Pet Insurance Review

I have been a client of the ASPCA Petshealth Care Insurance Company for over 11 years. I recently submitted claims on behalf of my Li'l Girl, totaling approx. $3000.00, The 1st claim totaling $1400.00 was reimbursed for a total of $300.00. A previous claim of $320.00 was reimbursed for $75.00. I am awaiting the process of the other claims, but do not hold much hope on the 80% reimbursement as stated on their policy. I will be lucky to get 25% reimbursement.Sadly, my Li'l Girl passed away recently, at the age of 18. I miss her very much, and I wish we were still together. My claim problems started with this company when Li'l Girl was jumping around like a kitten, and appeared to be doing really well. But sadly, the Claims dilemma continued and continues, when she took a turn for the worse, and then sadly passed. It is a shame that such a dreadful Pet Insurance Company exists, as I would like to grieve without having to deal with them anymore, but I feel more strongly than ever, that I have to help get the word out to others regarding the deplorable behavior of this company. I am writing to Warn others to stay away from this Pet Insurance Company. And if you are an existing member, cancel your Policy, and shop elsewhere. There are many Fine Pet Insurance Companies out there. You never know how good any Company is until you have a claim, or an issue. You can pay Premiums for Years, and think you are with a Reputable company, until one day when you need to file a claim. Get o

I had this coverage on my Lab/Chow mix, Angel, for ten years. The renewal premiums always seemed reasonable to me for the coverage provided. I was purchasing peace of mind. If there was an accident, or when she was hospitalized for two weeks with pancreatitis at the end, I knew that at least some portion of my expenses would be recovered. I submitted several claims over the years, including two ACL surgeries, and felt that the reimbursement rates were fair. If I could suggest a change to the coverage, it would be in the pre-existing clause. If your pet is diagnosed with some illness and/or injury, when your policy renews, it is then considered a pre-existing condition and there is no further coverage for that issue. Overall, I had a positive experience with the coverage, and would purchase it again.

Amanda Rose is a lively, active 3 year old Calico. So, when she just wasn't behaving as usual, off to the vet we went. Four visits later, after blood tests, x-rays, 4 different prescriptions, various urine, kidney, etc. tests, she was finally over an unkown illness which resulted in a high fever. Obviously, she had to have whatever the vets ordered, but I will admit that each time we walked in the door, I could see $ signs in front of my eyes. Our coverage with ASPCA is a Godsend. A good majority of the bills were covered, the claims were processed quickly and I could see the status of the claims online so I was aware of exactly what amount of each bill submitted was being paid and when the check was issued. We would recommend this coverage to any pet owner - we make sure that our Mandy is well csred for and ASPCA takes good care of us!

I wish I had acted on my instinct to get pet insurance when we rescued Calvin in April 2009. He was a goofy love everthing black lab mix who had been found roaming the desert of Eastern Washington . His dehyration had caused kidney damage so when I adopted him I knew he would need some TLC. He recovered very well with treatment. Then then end of October one evening he was acting off and obviously in distress. Off to the emergency vet we went. Surgery was required to discover he had had a duodenal ulcer that had perforated. He spent 2 more days trying to recover but he couldn't fight the infection and we had to let him go. Ofcourse you would do anything to save your pet, but having pet insurance would have helped with the $6000 bill. In January 2010 we adopted Dexter, another goofy black lab mix. He's a healthy young dog with a propensity to eat everything that isn't nailed down. Shortly after bringing Dexter home I enrolled he and our older dog Gracie in the ASPCA pet insurance. Within a couple months Dexter got up on the kitchen counter and nabbed by kitchen sponge. A trip to the vet to upchuck that was my first claim. A couple months later, another sponge incident and another claim. Then a couple weeks ago while camping in Montana he ate 'something' he found in the campground. That was a little more involved and could have ended up in surgery but he managed to pass the offender. My insurance on Dexter has more than paid for itself already and I urge

I just signed up with ASPCA pet insurance, it was recommended by my friend in Cleveland, OH. I am in New York, and just submitted my first claim. I will keep you posted on how that turned out. I had researched VPI as well...so, we will see if I made the correct decision with ASPCA.