ASPCA | Pet Insurance Review

Some "people" insurance companies could learn something about customer service from ASPCA. I've been with them starting my fourth year. I have two cats and one dog. I have the middle of the road policy. They are great to respond and quick to get reimbursements to me. I like their online explanation of benefits. The only thing I do not like is that each year, if my dog had an illness the last month of the year, that same illness would not be covered the first month of the new policy year. The dog would have to be "cured" for 180 days before they would consider covering it. This is my first company I ever had insurance with. I will look into other options if they do not change that policy.

We decided to get the ASPCA pet insurance right after we got our 6 week old golden retriever puppy last year. The vet gave us the information. My husband and I know that unexpected expenses can happen (we have two children). It is just nice to know that we will have some help financially if we need it. We have had two close calls with him eating things he should not. In both cases, we had to take him to the vet and do the workup because he had apparent digestive blockages. Goldens are known for chewing everything. The insurance has also helped with the well checks, but we got it primarily for the unexpected. We are very happy that we chose the ASPCA insurance.

I have been with Petshealth for 10 years now and they have always been there for me when my dogs were ill. They have always processed my claims in a timely manner and treat me with kindness whenever I call with a question. I would recommend this company to anyone who is looking for pet insurance and I do recommend that anyone that has a pet should have health insurance for them.

ASPCA PET INSURANCE!!RUN! RUN! RUN! DON’T TRUST THEM!!!! THEY WILL GIVE YOU ONE HECK OF A SALES PITCH, THEN SAY THEY CAN FIND THE RECORDED CONVERSATION!! DON’T TRUST THEM..NOT WITH YOUR BABY!!!! RUN, DON’T BUY, GO TO ANOTHER COMPANY!! THE OTHER COMPANIES ARE ALL BETTER THAN THIS ONE…PET-SMARTING IS HOW YOUR CHARGE WILL APPEAR…TREMINDS ME OF LYING TELEMARKETERS!!!They do not disclose facts for coverage. They charged my account on the 6th of February but decided to change coverage to 2/15/2010 so that they would not have to pay. They also denied a claim on 3/18 for the reason of falling within 30 days (not even disclosing)and after I pointed out it was longer than 30 days they changed to pre-existing. When I inially called no preesisting issues were discussed. They claim they cover meds but don’t expect the vet bill to write the prescriptions to be covered..even if it is a vet approval/prescibed needed medication. They claim it was preexisting but he didnt pre exist, he was a puppy!! I called 8 times and email 5 times and until I decided to deny charges, I never received a call. How can alleries be a pre-existing issue on a brand new puppy? If they cover Revalution, a prescribed med for fleas, heatworms, etc..than why wouldn’t they cover his 1st visit to the doctors as an annual exam. They say they cover meds, but don’t expect it…,.,$500.00 later and The best plan they offer at almost $80.00 a month and absolutly nothing execpt a little towards the $100.00 deductible was covered.

I have been happy with the ASPCA pet insurance so far. Shortly after purchasing the insurance, my sheltie had problems with vomiting, diarrhea, and weight loss. He had to see a specialist and had lots of tests and bloodwork taken. Even though they base their 80% on reasonable costs, the amount reimbursed to me was extremely helpful. Much more than my premium for the year. I appreciated the detailed information reported to me on-line and reimbursement for my claim in a timely manner. The insurance has come through for me.