ASPCA | Pet Insurance Review

I have two young puppies insured through ASPCA under their level 3 plan with continuing care. Level 3 includes wellness care. An unfortunate string of accidents and illness in their early months had us running to the vet almost weekly for a short time. I found that ASPCA's "reasonable and customary" reimbursement rates fell far short of my vet bills when it comes to non-routine care: x-rays, ekg's, etc. They also have a pretty lengthy list of expenses that are "exclusions" and are ineligible fore reimbursement. I have calculated that my actual reimbursement on vet expenses has averaged between 30% to 50% per claim, which pretty much defeats the purpose of having insurance. In my opinion, this insurance is a poor value for the hefty monthly premium, especially in light of the fact that they do not cover hereditary and congenital conditions. This basically negates coverage for most major issues a dog is likely to have outside of accidents.

We were getting pretty frustrated about paying vet bills every other month for our cat who goes outdoors at night and has apparently too much fun. Anyway, we finally asked our local vet, who keeps repairing him, if there is medical insurance for pets like humans. Our vet recommended ASPCA Insurance and we have never been happier. It has saved us money and allowed us to provide our cat with the best care without worrying a lot about cost.

I have had your coverage for my dog Cloie for about 10 years. During that time Cloie has had a few problems. She tore the ligament in one of her legs, she had bladder stones, and also had to have some skin growths removed. Each of these problems were expensive to correct. I was so grateful to have the Petshealth insurance and recommend all pet owners to obtain it. Petshealth representatives have been so courteous to me and handled my claims in a very timely manner. I would, and have recommended them to neighbors and friends. It has been wonderful for my baby and best friend.

We got this insurance for our pug just incase she ever needed anything in the future. You insure your children and treat your pets as part of your family...so why not insure them also? It just made sense to me. I've only used the coverage for small illnesses so far but it was a great help to get reimbursed so quickly. My dad recommended the insurance to me and I would recommend it to everyone!

My feline had a checkup in 7/10 and passed with flying colors. In early November of 2010 I took him to the vet because of an increase in fluid intake. A blood panel and urine culture was done to find out what was going on. Both claims were denied because of pre-existing condition. I was told that because the increase of fluid intake was mentioned in the vet's notes that the claim processors labeled it as kidney failure and denied the claim as pre-existing. I don't know how they could diagnose when my vet was still trying to rule out things that could be wrong. An accurate diagnosis on his part had yet to be made.