ASPCA | Pet Insurance Review

My five-year-old cat, Ace, is my problem child. He loves to get into things that he is not supposed to. He especially loves to chew on anything rubbery or of a foam-like consistency. When he chews on these things (flip-flops, padding on my weight bench, etc), he often swallows chunks that are too big to pass through his intestines. The only way to save him is to open up his intestines and retrieve the object causing that obstruction. My friends and family think I am crazy for paying for these expensive surgeries, but knowing that he is covered by ASPCA Pet Health Insurance puts me at ease. The expense of vet bills is often the most stressful part of maintaining your pet’s health. When something major happens and Ace and I end up in the vet’s office, I know that ASPCA Pet Health Insurance will be there to help us. I was a skeptic at first- I didn’t believe that ASPCA Pet Health Insurance would come through for me in situations like this when the vet bills are in the thousands of dollars. But now I am a believer. Investing in health insurance for my pets is one of the best decisions I have ever made, and I am so thankful that I did!

I would advise the pet owner to study and ask about the different types of plans offered: for example: continued maintaince plan.Otherwise, my dog (now 11 years old)who started out healthy, developed Cushings and now heart disease; has had numerous vet and ER visits which the insurance "took the sting" out of enormous bills. We would have taken care of her no matter what but knowing some of the costs are covered gave us some needed relief. I will definitely invest in insurance for all of my future pets. Again, I would suggest to become familiar and ask questions about each of the plans and coverage inclusions and exclusions.

I have had cats and now a dog. i think that it is very important to have pet insurance when illness strikes your pet or your pet must have surgery you know at least you will get some help with the financial reimbursemt

I have had this insurance for several years and used it recently for the 1st time for one of my cats. I will say that you really need to understand all of the fine print. I was reimbursed a portion but not all minus the $100 deductible. It was decided that my vet charged more than what they thought was a reasonable amount and just did not pay some of the costs. I must admit that I thought my policy paid 100% after the deductible, but when I went back and read it, it is an 80/20 split. However, I think it is wrong to not reimburse the full 80% the vet charged. I have no control over how much the hospital charges. Basically, if you add up what you pay in premiums over time, you are simply putting your pet's health expenses on a monthly payment plan and paying in advance. And more than likely you will end up paying more out of pocket all together. There are way too many limits and exclusions.

My dog just got his teeth cleaned and some small warts removed and ASPCA paid 80% as advertised. Although certain charges are paid only to the maximum allowance, I am not sure if any one ever knows what the allowance is. Yet the process took about 2 weeks from the date I faxed in my claim to the time I received my reimbursement. One thing I like about them is that they will email you once the claim is processed; communication is a key.