ASPCA | Pet Insurance Review

They have different plans to choose from. There's a $100 deductible followed by 80% coverage. Covering medicines requires a higher plan. We went with the advantage plan which does not cover the medicine however covers everything else including everying in an annual checkup. You download the claim form off their website, you then either mail, email or fax it in. You can see all the claims you have submitted on their site as well as track the reimbursments. Also they pay in a couple of weeks. We have had no problems at all and are very pleased.

I have the safety plan accident coverage for each of my three dogs. While I know it will not pay everything, in an emergency getting some of the costs paid - especially for a monthly premium of just over $9.00, can be a big help. Last week my friend almost lost his dog because it got into the trash and ate something - they could not afford the surgery and thought euthanisia was the only option. Fortunately other friends came to his aid and paid over $3000 for the surgery. I've told him and every friend and family member I know about the excellent value of the ASPCA safety plan to cover accidents like that. Having at least part of the those costs covered could be the difference between life and death for a pet.

All of my 7 claims that I had with my two puppies have been received and refunded appropriately. Every time I call customer service or email, I always receive kind customer service and accurate information that I am asking about. Thanks Aspca Pet Insurance

My 150 lb Bullmastiff cracked one of his lower teeth (canine fang) and he appeared to be uncomfortable because the root was exposed. I took him to a veterinarian who specialized in dog dentistry. I had two options - pull it or put a crown on it. Needless to say, the cost of a crown was extremely prohibitive ($2,000+) and it would have created maintenance issues because it is common for crowns to come loose and they usually end up being swallowed, therefore needing to be replaced. The vet assured me he would be fine without the tooth (unlike some animals in the wild who rely on their canine teeth for survival). Pulling the tooth required major surgery. I realized why after seeing the tooth once it was pulled (the entire tooth was over 2 inches long and looked like it had come out of a shark!). The cost of the surgery was almost $900 of which my pet insurance covered over half without any question or delay.

Please read my story below...I have filed formal complaints against this company with the BBB, and the Attorney Generals office of both Missouri and OhioI would like to file a formal complaint against PetsHealth Care Plan based in Canton Ohio. Their practices are very deceiving and just plain unethical. I have had a pet insured through their plan since 1998. In the past 10 years I have paid the premium promptly each month and have only made one claim. Back on August 14th I took my dog to the vet because he seemed to be having problems. At first they thought he had some type of intestinal virus and put him on antibiotics and I was to bring him back in a couple of weeks. He seemed to get somewhat better but we returned on August 16th and they thought he might have Rocky Mountain Spotted Fever. They took blood work and then treated him with additional antibiotics. The blood work came back 3 days later and unfortunately the news was much worse. He was diagnosed with Canine Leukemia. Within two weeks he went completely downhill and we were forced to Euthanize him on August 31st. Understand that I have been insured continually since 1998 on this pet. Now they have refused to pay on a claim from 8/16/08 because they claim that it was a pre-existing condition prior to my policy renewal date of 8/15/08. If this is the case, it should have been covered under the policy prior to 8/15/08. How can they be allowed to deny a claim that was made when my premiums have been paid monthly for the past 10 years. Not only do we have to deal with the grief of losing our pet of 11 years but now we will not get reimbursed for the cost of his care when I have paid over $2400 in premiums over the past 10 years. This is unethical and should not be allowed. I want my premiums refunded to me for the past 10 + years. This type of poor service should not be allowed. At the very least I expect all my claims to be paid