ASPCA | Pet Insurance Review

My pet would not be alive today were it not for ASPCA health insurance. One of my dachshunds (only 4 years old) could not walk and needed back surgery - today he is running again! My other dachshund had growths on his liver removed and would have died had he not had the surgery - today he is chasing his ball again. Neither procedure was cheap and thanks to the coverage from ASPCA I could afford to keep them both alive. I desire to have money not be a factor when making pet health care decisions. My claims were processed in a very timely manner. Thank you!

easy to use and put in claim's

Initially, I was very leery about pet insurance. ASPCA is very easy to deal with and they are very helpful when you have questions. I trust them.

I've had great experience with their customer service line. My only bad comment is how long it can take for them to process and reimburse a large claim. I had to take my dog to emergency care on a Sunday night and was relieved to know that I would reimburse, but it took a month! Missing that amount of money for a month after charging it, really hurt me financially. I understand it was a larger amount of money than I usually claim but a month is a long time...

Upon researching numerous pet health plans, it came down to ASCPA and Healthy Paws. We opted for ASCPA because it provided the most flexibility. We customized a plan that provides us both a safety net in the event of major medical problems and one that covered a significant portion of less significant costs, such as those occurring as a result of an accident or illness. Our plan has a $5k annual cap and $250 deductible that reimburses us 80% of the covered treatment, i.e., accidents, diseases, and illnesses.While iIt does not cover preventative service or neutering/spaying, you can get that coverage if you want. We didn't as we also wanted to keep our monthly subscription fee under $50, which we barely made. We got this plan when Rosa, our American bulldog, was about 2 months old. She's 14 months now. Boy are we glad we got it! We have filed 5 claims during this time and every one of them was processed within 2-4 weeks and approved. ASCPA even provided us more than we sought the last time. It's a great plan and the service is phenomenal. The absolutely only negative {a minor one at that} is that their online capability is limited in terms of what files you can attach to support your claim (application). I find myself having to take a cell pic of the vet bill and attaching it as a jpg file. Seems kind of archaic to me.