ASPCA | Pet Insurance Review

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.

Even though I have had continuous coverage for my cat for about 8 years, I found out today for the first time that a disease that manifested during the insurance company's last billing cycle is treated as a pre-existing condition in this cycle, and is not eligible for coverage. So, especially for an indoor cat, the insurance is no longer meaningful once you might actually need it. Petshealth could have warned me of this when I renewed last time, but apparently, my premium was too attractive to them. I'm disgusted.

I have several cats and dogs as I do rescue work. I cannot afford to insure all my pets but have opted to cover my 4 dogs (3) Corgis and (1) Dachshund. The coverage has helped as a few of my dogs have had chronic issues (Lypomas, allergic dermatitis) and other minor issues but did incur alot of vet bills. Often times the entire payment of the bill is not paid as *within reasonable costs is cited, but I guess there has to be an "average" for the medical coverage as some vets tend to be more costly than others. Overall, I am satisfied. Time will tell as my dogs age and possibly get more health issues.