ASPCA | Pet Insurance Review

They are reasonable-the monthly fee is affordable. They only pay 80% of what they feel is fair and reasonable. My last claim they did not pay any thing bacause they said it was hereditary, although all the tests came back normal. I think they are trying to say that my dog has boxer myocardia. But there was no sign of it found. So therefore I am very dissapointed with them right now, and I have appealled their decision, I just wish I would have found this web site before I picked the insurance company.

my two cats haveen member of ASPCA for almost two years,not to mention every time i called with conserns and question i been educated with the most caring voice and advise.recently i lost one of my cat due to hte sudden illness every claime i submited review fairly with speed, prouces,i am so happy and totaly satiesfy by joyning with, this insurance company(ASPCA) above all the best sweet caring knowlegable reprasentive thank you for all the love and careing.

I have had my elderly lab insured with them for almost 10 years. The premium has continually increased with decreasing coverage (most recently $102/month). They also have a manifest clause in the coverage that does not cover a condition from one plan period to another for 6 months. Basically, an existing condition is only covered for six months such as osteoarthritis. The customer service representatives are courtesy but are not knowledgeable about the details of the policy. Lastly, they charge a 10% cancellation fee. I

My 1 1/2 year old tcup yorkie was recently very sick and passed away. The vet bills from her 5 day hospital ordeal were over 1800.00. After submitting my bills I was pleased to be reimbursed for 900.00. The vet was unable determine the cause of illness and wrote a few things that could be considered genetic so I was concerned that they would not pay for her diagnosis. Much of her treatment included medicine which I do not believe I was covered for. I found their customer service very helpful and payment was quick and easy. I was also pleased that they cancelled my policy without charging me additional premiums since my pet passed away.

Letter sent to PetsHealthCarePlan: Dear PetsHealthCarePlan, Attached is my final claim for my beloved Jonah who was euthanized on Tuesday, May 5, 2009. I’ve also attached a picture of Jonah (tabby) with his buddy Hazy Girl (tuxedo). Jonah was truly the sweetest cat! We have 5 other cats (!) and Jonah got along with ALL of them. He was extremely interactive with us throughout the day, constantly talking to us and being mama’s lap kitty while she worked at the computer. He loved to greet me after my morning shower and would patiently wait for me to put a towel across my shoulders so he could hop up and snuggle me on my shoulders! At night, ever since he was a baby, he loved to fall asleep sucking my ear lobe. I adopted Jonah as a rescue kitty during a very tough time in my life. I was struggling with depression and his beautiful soul helped me overcome that tough time. He’s been with me through a divorce, two moves (one from SC to MD), starting up my own business and several more additions to the family. He had so many distinct meows and purrs and expressions that makes me believe he was highly evolved and more connected to people than the average pet. Jonah was shortchanged on his life and it took us all by surprise. He never had anything wrong in his annual checkups and never had those urinary issues like many male cats do (like Boaz). When his kidneys started to fail towards the end of last year, we were told we only had a few weeks left with him. A few months later, Jonah survived and thrived after having a huge bladder stone removed. And you wouldn’t believe how well he responded to acupuncture! After 2 or 3 treatments, Jonah was totally expressing energy and playfulness like he did when he was a baby kitty! It had been years since we played our little “hide-and-seek-and-pounce” game (I wish I could show you a video of it as it was so hilarious), and for two months he just carried on in full strength like when he was a kitten. I truly do credit that to the acupuncture. But unfortunately, Jonah’s kidneys could not keep up with his vibrant life force. We had learned from a Pet Communicator how to communicate and “pet-speak” with Jonah and he told me he was ready. He was so sweet on his last day, giving to the very end. I held him as he purred on to the other side. We were so grateful to provide him a peaceful crossing. We are also very grateful to PetsHealthCarePlan because without your services, I would have been robbed even further of the last 4 or 5 months I had with Jonah. And I can’t even begin to tell you how precious those last months were. I still can’t believe he’s gone. I tell everyone I know who has a pet about your program. What’s equally as important as the coverages you provide is the compassionate customer service that I have always received from your staff. Thank you again for the services you provide.