ASPCA | Pet Insurance Review

I have two cats and originally had them both enrolled with another pet insurance company. I received a brochure about three years ago for ASPCA insurance and when I compared policies, the ASPCA policy provided better coverage for less out of pocket expense and so I decided to switch policies. In November of 2008, my male cat was diagnosed with Diabetes and I had to use the pet insurance for the first time. The customer servive has been excellent and what impressed me most was the ease of the paperwork and the timely reimbursement payments. I would recommend the ASPCA pet healh care provider to anyone with pets.

We have a nine year old Sheltie who is the light of our lives. Right before Christmas, she fell and dislocated her shoulder. She was in a great deal of pain and was acting very strangely. We took her to our vet who did x-rays, blood work, etc. and put her on some meds for the pain. She had a very difficult time and we had to take her 3 or 4 times to the vet. We love her dearly and teased that we would mortgage the house to get her better if we had to. We had over 600 dollars in expenses for her including blood work, meds and x-rays. ASPCA paid 80 percent of everything. What a blessing, especially at Christmas time!!!Beauty is coming along very well now and we are so grateful to ASPCA for the financial help. It would have been very difficult without them. I allready have one friend who has signed up for coverage for her pets.

Recently my cat had eye surgery which cost me close to $1,000. I was appalled to receive a reimbursement check for onlyl $436.00. That means I didn't even get reimbursed half of what I had paid!! Then when I called them up they told me that they determined my reimbursement from the geographical location I live in and the most reasonable veterinary costs. This method does not work if one lives in New York City where everything, especially veterinary care is extremely expensive. Then they lied to me and said they only reimburse up to 80 percent with deductible, but am not guaranteed this percentage of reimbursement. I remember reading on their website that 80 percent of reimbursement is what they give. Furthermore, it took well over 30 days to receive this cheap check. I am in the process of shopping around for a different pet insurance, and so far I will say that Pets Best Insurance customer representatives were the most helpful in comparison to others I had phoned recently. Don't buy ASPCA Pet Insurance. Even though the cost is cheaper than other pet insurance, the reimbursement is the worst!! ASPCA Insurance will only reimburse 40 percent or less of the bill. I would not recommend the ASPCA Pet Insurance.It stinks on ice!

I have had insurance for Yogi since I brought him home in March 2003 and have been satisfied with the customer service and the way claims are handled. I lost a "puppy" a little over a year ago and the rep at Hartville was very sympathetic and genuine in handling his claim. I always suggest anyone with a pet to get insurance...you have it for yourself, why not for your pet? Afterall, they are a key part of the family so they deserve to be protected!!

I purchased two health plans - one for my 12 year old cat and another for a 6 week old kitten. For the kitten, after submitting about $300 in claims for vaccinations and checkups, I got about $30 back from this plan (The Advantage Plan). For the 12 year old, I took him in because he was limping and for a general checkup. The vet took some x-rays of his leg and determined he had a tumor (cancerous). Other tests and procedures were done, and overall I submitted about $600 in claims for him on the Sterling plan. To date, not a dime has been paid for various excuses and bogus reasons. Processing of claims is very slow and there are many exclusions, so beware. The only bright point is that customer service is quick to respond. Overall, ASPCA is not worth it...look elsewhere. So far, I have lost more money than I have put into this, and this was for services that were supposedly "covered".