ASPCA | Pet Insurance Review

My 2 year dog was hit by a car. I took him to a emerg. hospital and had several weeks of going back and forth to the regular doctor they paid me back very quickly and I am happy with this company.

Even though I have had continuous coverage for my cat for about 8 years, I found out today for the first time that a disease that manifested during the insurance company's last billing cycle is treated as a pre-existing condition in this cycle, and is not eligible for coverage. So, especially for an indoor cat, the insurance is no longer meaningful once you might actually need it. Petshealth could have warned me of this when I renewed last time, but apparently, my premium was too attractive to them. I'm disgusted.

I have several cats and dogs as I do rescue work. I cannot afford to insure all my pets but have opted to cover my 4 dogs (3) Corgis and (1) Dachshund. The coverage has helped as a few of my dogs have had chronic issues (Lypomas, allergic dermatitis) and other minor issues but did incur alot of vet bills. Often times the entire payment of the bill is not paid as *within reasonable costs is cited, but I guess there has to be an "average" for the medical coverage as some vets tend to be more costly than others. Overall, I am satisfied. Time will tell as my dogs age and possibly get more health issues.

My five-year-old cat, Ace, is my problem child. He loves to get into things that he is not supposed to. He especially loves to chew on anything rubbery or of a foam-like consistency. When he chews on these things (flip-flops, padding on my weight bench, etc), he often swallows chunks that are too big to pass through his intestines. The only way to save him is to open up his intestines and retrieve the object causing that obstruction. My friends and family think I am crazy for paying for these expensive surgeries, but knowing that he is covered by ASPCA Pet Health Insurance puts me at ease. The expense of vet bills is often the most stressful part of maintaining your pet’s health. When something major happens and Ace and I end up in the vet’s office, I know that ASPCA Pet Health Insurance will be there to help us. I was a skeptic at first- I didn’t believe that ASPCA Pet Health Insurance would come through for me in situations like this when the vet bills are in the thousands of dollars. But now I am a believer. Investing in health insurance for my pets is one of the best decisions I have ever made, and I am so thankful that I did!

I would advise the pet owner to study and ask about the different types of plans offered: for example: continued maintaince plan.Otherwise, my dog (now 11 years old)who started out healthy, developed Cushings and now heart disease; has had numerous vet and ER visits which the insurance "took the sting" out of enormous bills. We would have taken care of her no matter what but knowing some of the costs are covered gave us some needed relief. I will definitely invest in insurance for all of my future pets. Again, I would suggest to become familiar and ask questions about each of the plans and coverage inclusions and exclusions.