ASPCA | Pet Insurance Review

Absolutely NOT! This company has short changed me since I took the policy. An extended waiting period before the coverage effective. Now when my one dog has a condition that is unresolved and his policy needs to be renewed-they will no longer cover treatment! Where does this leave me? I am unable to get any new policyfrom any other company to cover a pre-existing condition and the ASPCA does NOT take care of their obligations. BTW, my dog has been receiving treatments only since Oct. '09 less than a year's worth!

Since our golden was getting up there in age (8) - we decided to be proactive and get this ASPCA insurance that was recommended by our vet. It worked out well for us, as he did have a few issues this last year and ASPCA was very good about accepting the claims and paying on them. They did not pay the full amount - but a good portion. Hopefully none is needed for this next year - but we are covered and ready just in case.

Having experienced a serious illness to our previous pet, medical costs in excess of $7,000, and no insurance, my wife and I decided if we got another dog we would make sure we purchased coverage. We choose ASPCA and our first experience was more than we expected. We had our dog neutered and recovered over 75$ of the costs. Truly a great policy!

I find the insurance ok. I had to add on level 2 with continuing care because it was very frustrating that alot of pre-existing conditions were not covered from one policy period to another.It got to a point where I was thinking about opting out because I never got compensated for ear infections etc,and it was costing me as much as what I was paying for the policy. I have been with the plan for at least 12 years and find that since there was a management change,it's more difficult to get reinbursed. I was however pleased that I did receive a reinbursement for surgery my dog had, and was glad that I kept the insurance. I think communication is the key, people should be aware that the basic coverage is minimal, but good if there is a need for surgery like in the case of my dog.

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.