ASPCA | Pet Insurance Review

WOULD NOT BE WITHOUT-EVER AGAIN. OUR FIRST GOLDENWAS EUHANIZED-SAD SAD CASE-ASPCA WAS THERE ALL THE WAY. KIND AND SYMPATHIC.OUR 2ND GOLDEN INGESTED A STRING TOY- DO NOT PURCHASE THE..OUR YEAR AND HALF BABY HAD EMERGENCY SURGERY. 5 DAY ORDEL 2200.00 COMPLETE..ASPCA AGAIN WAS THERE FOR US..GET YOUR FUR BABIES INSURED.

I've had my dog Preston on ASPCA health insurance for almost a year now and have no complaints. There's been a few small incidents (tick and foxtail removal) that have been partially covered, depending on the accompanying prescriptions, but ASPCA was really great to have a few months ago when Preston was hit by a car. I can not stress enough just how important it is to have SOME kind of insurance -- I was able to focus on Preston getting the best care instead of worrying about the bill the whole time. ASPCA followed up less than a month later with the reimbursement check, cutting our $2,000+ bill down to about $500. I was at first annoyed by having to pay the $100 deductible, but after seeing that most other insurances have a deductible per incident, the ASPCA plan seems a bit better.

Until I cancelled, I had repeated problems with declines for pre-existing conditions that did not exist. Ex. a decline for my dog's x-ray for a pre-existing shoulder injury - he did not have a shoulder injury. Another one - decline for vaginal infection as a pre-existing condition when her pre-existing condition was a bladder infection. Vet had to send corroborating info on every single claim, including clarifying the difference between a vagina and a urethra!! Compared to what I paid for 5 animals, they paid virtually nothing.

My min-pin was bit by something as a puppy and at that time we didn't have insurance. I was out $2400 but it saved his life. At that time, my wife and I decided to purchase pet insurance and ASPCA was recommended by our vet. 2 years later, my same min-pin was bitten by a coyote and almost died. The vets saved his life again, but this time we had pet insurance. The vet bill was $1700, but we only paid $400. Thank you ASPCA, we wouldn't go without pet insurance again.

My experience was not unlike the stories one hears about people trying to get insurance companies to pay out on human health insurance claims. I ended up wasting time with appeals and feeling utterly cheated and frustrated. The argument they made was that, because two illnesses share certain symptoms, the 2nd illness was simply a "pre-existing" condition from the day the first one manifested itself. While this is difficult to prove or disprove, it disappointed me that they were unreceptive to my vet's professional opinion that they were separate diagnoses. All in all, I felt that I simply handed the insurance company money and got nothing but aggravation when I needed them. I didn't get a dime back from them for either of the illnesses. Profits over pets, I assume.