ASPCA | Pet Insurance Review

Our golden retriever, Murphy started to limp and I noticed his right front outer toe was swollen and his limp was getting worse by the next day so I made an appointment with the vet. They had to sedate him to take an x ray of his paw but the x ray ruled out a break or fracture of any kind. They could not feel an abscess, so figured it may have been something like a sting or bite and he was having a reaction to it. They eventually placed him on steroid tablets for a few days and some benadryl capsules. Eventually, he did get better and it took a couple of weeks for the limping to totally stop but he is back to his old self again. I am so thankful for pet insurance, because we are on a retired income and he is the first dog I have ever had insured. So glad I made that decision! My total bill was 423.00 and my insurance paid 224.00 of that. What a help!

We have carried ASPCA insurance (level 4 top level)for almost 3 years. This is supposed to pay for preventative care including vaccines, flea/heartworm meds, and dental. It is a nightmare trying to recover costs from them! They are vague and unwilling to share how they arrive at their figures. I am cancelling and do not recommend this company to anyone.

I like this insurance because it helped us to make quick decisions when our dogs were sick without having to worry about the amount of money we were spending. My dog BamBam was given just 2 weeks to live due to his kidney problems unless we were able to be extremely aggressive with fluid treatments, etc. We were able to say "yes" right away knowing that the insurance would cover the first $1500 for this incident. It has been 15 months now and BamBam is still doing fantastic. The insurance does only cover the first $1500 of each incident and if the pet is not considered to be "cured" within 6 months, the insurance will never again cover this incident. If BamBam has a kidney problem in the future, we basically are on our own. We don't like this part of it, because this is not how REAL insurance works. But, when the incident first occured it allowed us to say YES to treatment without giving it a second though. I will likely get this insurance on my future pets as well.

When I decided to get health insurance for my 4 cats they were all healthy. No problems, we went for regular check ups and had the regular maintenance health care done, such as dental cleanings, etc. everything was fine. I decided to have health insurance for them considering they were getting up in age - if they fell or had any injury or minor illness then at least I could feel like I had extra help to pay for it. You wouldn't believe how much one little injury could cost. The health insurance has helped out tremendously. Within two years all my cats had at least one thing happen to them or some minor illness came upon them. One cat had a few problems within two years. If I didn't have the insurance the cost for 4 cats with health issues would've ran me thousands and it did! The pet health insurance covered a great portion of it and my budget for cat care did not take a large hit within those two years. It is just a comfort to know there is help. It is insane not to have health insurance for yourself it is equally insane not to have it for your animals since it can help you cover your cost. Not to mention, give you the peace of mind that you can offer the best possible care for your animal. Don't know why I didn't get it sooner. Everyone is healthy and/or recovering now, thankfully!

On the recommendation of a friend I took out insurance on my two Yorkies, Daisy and Dudley. The cost was very reasonable for the two of them. Dudley started to have blood in his urine. I took him to the vet and after tests and x-rays a large stone was discovered in his bladder. Surgery was necessary. I thought this is going to be very expensive, which it was but how pleasantly surprised I was to find that my ASCPA insurance did everything the policy said and I was reimbursed for the 80 percent they promised. How wonderful! I recommend them highly!