ASPCA | Pet Insurance Review

My 6 year old Shih Tzu had been through many eye problems since she was a puppy including a corneal graft and a flap. The vet bills were enoumous and I was able to arrange for financing. After that I knew they would not cover her for a pre existing weakness but I felt after this experience I should have her insured for any other illness or accident because it would not easy for me to pay for any other emergencies. I took out the insurance and two years later I did have an emergency with her. An enlarged heart without any symptoms until it was too late. I submitted my bills to my insurance company and they reimbursed me for partial expenses and that eased the financial burden. I now have a new little Shih Tzu 4 months old and have her insuraned. I know if she should have an emergency, illness or accident my financial obligation will be partially covered. We also have a cat on the policy (he is 7 years old)and luckily we have not had to use it. I would recommend the insurance. It is there when you need it the most.

In my contract they say in clause that they would cover the expenses of spaying my dog.When I sent the claim for the coverage, with the receipt from the vet describing all the charges, they denied almost all of them, because other clauses said they would not be covered! So, I thought, that next time, I would work in my receipt with my vet to do not show the things that they exclude! But doing it, I'd be as bad as they are! Therefore, I just can see them as a scam as they must be getting advantage of the name ASPCA. I can't believe that the institution that I see all the time in the TV shows thinks or agrees with these policies.

My Chesapeake Retriever, Frodo, is 6 years old and has never really had any health problems previously. In December, literally right before Christmas, he managed to bite off a fragment of something he found in the back yard and swallow it. He stopped eating, and long story short, had to have surgery to remove the piece which has become lodged in his intestines. While I was at the animal emergency clinic, I saw a pamphlet for ASPCA Pet Insurance. I had never considered getting any pet insurance because I had heard negative things about it in general....that everything was excluded, etc. But, after that $3000 experience, I decided to give ASPCA a shot, and signed up immediately thereafter. And thank heavens I did. Not 3 weeks later, Frodo managed to ingest a ziplock bag of Motrin, which as you know, is very toxic to a dog. I took him to the same emergency clinic, where he was hospitalized for three nights while they stabilized him. The whole time, I'm thinking to myself "ASPCA is never going to pay this claim.....I just signed up!" But, I submitted the claim the day Frodo came home from the hospital, and about 3 weeks later received my check, and in the amount I was expecting. It ended up saving me about $1200 that I would have been out of pocket on after only a single premium payment! So, I have nothing but good things to say about these people...they do what they say they're going to do and you can depend on them when all you really want to have to worry about is your pet and his health. I would recommend ASPCA Pet Insurance heartily to ANYONE with a pet and who wants peace of mind.

Had a positive experience.

I have been very satisfied with my ASPCA Pet Insurance so far. I have had one major claim and it was paid promptly and within the terms of coverage, with no problems. Last year it was the same thing for just routine charges at the vet. You can't afford to be without it.