ASPCA | Pet Insurance Review

I asked all kinds of question due to I had experience with my other cat(pass away)at 22yrs old. What I went through money wise I took out insurance on my cats. 2 cats are under VPI (which I love but premium go up every year, by age of cat) So with ASPCA I thought I would be covered and when I took my cat in they denied the bill. They get into the program and then when you need it they say it is not covered. WHAT A RIPOFF COMPANY - SHOULD BE INVESTIGATED. I am paying outrages premium a month and I am on disablity.

Back in the Fall of 2009 my cat Maggie was passing blood in her urine. Subsequently, she was diagnosed with a bladder stone which required surgery. I am so thankful I had pet insurance because the total bill came to $1,800 dollars. The insurance paid almost $1,200. I certainly can recommend having it.

My shorthair orange tabby Earl has had a very bad year with a series of illness - vomiting, urinary tract infection, bladder stones, and a malignant tumor in an adrenal gland. The ASPCA plan has paid something on each claim (so far) with explanations after a careful review of the bills I sent. Having this insurance really helped defray the expense of treatment and allowed me to have definitive tests done to help alter his diet and to reveal the tumor in the adrenal gland which was recently removed. Earl seems to be doing fine at this time.

I have been with 2 different vets and each time i would get script renewed,the amount that was allowed was always lower than the amount I paid. I once had a script that the cost was lower than the previous month, and they still lowered the acceptable amt. When I called them up on it they just kept repeating the policy. When I questioned them that the previous month was higher allowed than the this months lower one they had no answer and were very short with me. When my expiration date came around they would not let me go to the next level like they had stated a few months prior. They told me to wait till mine expired and call them the next day and they would move my one dog to the next leve to continuous care, Now she has to be free of the the illness for 180 days before anything can be submitted. So, you get 80% of what ever they think is customary at that time no matter what your cost at the vet was prior. If I know that was the way they worked, I would not have signed up with them to begin with. I am now seeking other options. You should too.

I have been with the ASPCA pet insurance plan for less than a year, but it has been helpful already. I have a wonderful cat, Chaos, who has a cancer known as “Squamous Cell Carcinoma. Very few, if any cats survive this type of cancer. Chaos was given very little change for survival; however, he has amazed all of his doctors and is expected to live longer than they expected. I am on a retirement income and having ASPCA Pet Insurance has allowed me to provide Chaos with emergency care and his regular doctor’s visits while giving me some comfort from a financial stand point. Emergency hospital visits for animals are very expensive and the fact that I had pet insurance helped ease my worries. I highly recommend Pet Insurance especially when both you and your animals are seniors.