ASPCA | Pet Insurance Review

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!!

received 80% return back from a huge vet bill.however, because the addisons is now considered preexisting, nothing pertaining to that will be covered. It is just like human health insurance-anything preexisting will not be covered. If I did not have this coverage, I would be in the poor house-I wish I had it a couple years ago.

Hartville consistently found a way to NOT cover expenses we submitted... kind of defeats the purpose of signing up, eh? Almost all expenses were refused saying it was a "pre-existing condition" or the price was too much. For example: Yes, two of the expenses (6 months apart) were both skin conditions, but the first was allergy-related and the second time our dog stuck his nose in a fireant hill. Pretty sure they the ant hill wasn't "pre-existing". We were constantly locked out of our account and the "remember password" functionality doesn't work for us or their support staff. I always dreaded any interaction I had with them. I just canceled the account and I feel as if a weight has been lifted off my shoulders.