ASPCA | Pet Insurance Review

I have many pets and have had Petshealth for more than 10 years. I have had 3 dogs with cancer. The Petshealth insurance has been extremely helpful especially when I have had a serious illness to deal with. While every person with insurance wants more money back on their claims I have found this group to be fair. I have been satisfied with their service for more than a decade now.

Hartville Group is the Bernie Madoff of Pet Insurers! I have had this pet insurance since my 2 puppies were 4 months old. Never placed a claim with them for the first 10 years of my dogs lives. Unfortunately one of my little ones (maltese) got sick this past July, 2009 and just passed away Dec 2, 2009 @ the age of 11 1/2. Their insurance policy ran from August to July so it was renewed August, 2009 and now they refuse to pay the refund because of the "pre-existing condition in a prior insurance period." I made sure those dogs health insurance was paid while I was unemployed and for what?! Being treated like this! I don't think so. I'm considering legal action and would like to hear from anyone else interested in joining me. I'm also going to FACEBOOK, TWITTER and post anywhere and everywhere I can so this information goes viral on how corrupt this company is! I'm also going to inform the VCA and every other veterinary medical school and pca about this company. They were happy to take my $11K over the past 11 years for these dogs yet don't pay anything back in return? I think not! Please post if you wish to join me in letting every pet owner in the United States and world wide NOT to insure with HARTVILLE Group! (The Bernie Madoff of Pet Insurers!)

My husband laughed at me when I insisted we get pet insurance. 6 weeks after we got our puppy, she broke 3 toes....without pet insurance we would have a huge expense...luckily ASPCA covered our bill...just FYI, the vet we went to was very overpriced and pushed medications that were not needed. the vet hospital in Valley Stream NY. had we gone to a more reasonable vet, our bill would have been covered even more

My experience with ASPCA has been 100% positive. I insured my always-in-excellent-health 11 year old Cairn Terrier with the Premium coverage, estimating the higher costs of the broadest coverage available would come close to paying for itself within the year. Imagine my shock when, just 4 months later, my dog was diagnosed with hepatic lymphoma-- a cancerous lymph node in his liver. It was a relief to know the excellent ASPCA Premium Plan covered most of the costs, making the 18 week chemotherapy protocol affordable. I did not have to make a painful choice between my own finanical needs and the medical costs of my dog. Treatment for his cancer has been remarkably successful, he has an excellent quality of life, and his vets predict a possible two more years of enjoyable life ahead for my dog. I did some comparative research before I bought ASPCA pet insurance, and highly recommend the Premium Plan as the best coverage I could find for an older dog, as lesser options did not offer the same breadth of protection. I am very pleased and very grateful.

A couple of years ago my husband came home and told me about a co-workers dog being sick and how his co-worker had pet insurance with the ASPCA and raved about his coverage. He suggested that we too get pet insurance. Well, I cannot tell you how valuable that insurance turned out to be. My dog Hercules was 7 and perfectly healthy when we purchased the insurance policy. Two years later in the blink of an eye the health of my dog changed and the one thing I didn’t have to worry about was how to pay for his healthcare. I left for work one day and Hercules, my beautiful Jack Russell Terrier, was fine and when I came back he was limping. I thought for sure he had fallen while we were away but after a couple of months and lots of tests he was getting more and more sick. I was worried that we would not be covered but was told it was a “working diagnosis”. Finally, it seemed they had concluded he had some kind of tick-borne illness. He was treated and was still recuperating and starting to feel better, when all of a sudden he began shaking uncontrollably. I was not sure if this was related to his the first illness of if he had something new. I took him back to his vet who suggested that he be seen by a neurologist as his shaking seemed involuntary. I was worried thinking I must have exhausted my coverage but knew I had to take him to the vet to be seen. The neurologist told me he needed to perform a spinal tap to know what was going on with him and although it was an expensive procedure I knew this was what we needed to bring some resolution to what was happening. When all was said and done they found out he had something called idiopathic tremor syndrome which is treatable with steroids. I had paid for this procedure and the visit to the specialist on a credit card I opened at the vets office but surprisingly I found out I had not exhausted my coverage and that I was being reimbursed for this procedure! With the help of the ASPCA Pet Insurance I was able to get the care that Hercules needed and never have to think twice about it. I don’t even want to think about what would have happened had we not had insurance. After all that we went through I have convinced every member of my family to get pet health insurance through the ASPCA. Hercules is doing well today, running and playing, and have a great time like all Jack Russells do! From the bottom of our hearts thank you for everything ASPCA Pet Insurance!!