ASPCA | Pet Insurance Review

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".

My dog was diagnosed with mast cell cancer. The ASPCA was good about paying half the cost of her treatment for the first year I had them, but after that they considered the cancer a pre-existing condition and paid nothing more. They explained that their insurance is renewed annually, so anything my dog had the previous insurance year was pre-existing the second insurance year. This was really outrageous to me but there was nothing I knew to do. They were very nice when they rejected my claims. I don't know if I would recommend this company to other pet owners - I think I would as long as they understood and were willing to accept this issue. Perhaps ASPCA has a cancer rider?

I have 2 dogs and have been very satisfied with the company's payment, response time, customer service and coverage. It has been well worth the cost. My only concern is the definition or deemed date of a pre-existing condition. When the policy renews, a condition should not be deemed pre-existing because it first began during the previous policy period.