ASPCA | Pet Insurance Review

My policy coverage includes a wellness portion as well as accident, and illness coverage. You don't realize how important coverage is because your baby is running around healthy and all you are responsible for is food and water. In my case, that turned into heart medications, lab work, xrays, echocardiograms...... The bill was overwhelming. Nothing could have prepared me for the heart-stopping reality of what the ER doctor told me. My baby was going to die!! I didn't know he was sick until he started panting constantly. I can say now that the medicines are working. I am glad I do not have to deal with the burden of an I'll family member and a monster vet bill alone. They did and are still doing what they said in his policy coverage. On top of that, they (Shelly) even called to check on me and my little one. Top notch product and professionals. I can manage my little ones illness and give him a little love back for all the times he has given me smiles.

They called to check up on my pup!!

Absolutely loving the decision I made to insure my baby!! Do not hesitate to do it!!

I have been using this insurance for both of my dogs since 2012. When they say they will cover 90% of your pet's accidents, injuries and illnesses, that is not exactly true. Since I began using this insurance in 2012, the plans have changed and now they offer better plans than what I currently have. For instance, they will cover 90% of the "average cost" of treatment for my pets in my area and not the "actual cost" of treatment. The average cost for my area is never anywhere close to being 90% of what I pay at the vet. When I called to inquire about upgrading to the newer plans that base your reimbursement off of the actual cost instead of the average cost, they basically said if my dogs have any issues going forward, in relation to what they have covered with this older plan, they will no longer cover it because it will then be considered "pre-existing" even though I was insured by them at the time of the initial diagnoses. However, if I keep the current plan, they will still cover any issues that arise, based solely off of the "average cost." Considering one of my dogs has torn both ACL's and both Meniscus ligaments while being insured under the older plan, I am too scared to upgrade and then she have a complication in regards to those 4 major knee surgeries down the road. When speaking with Sarah, who works in the "Questions About Claims" department over the phone about how this is not a loyal program to clients who have been with them for several years, her response was "Well it is better that we cover something rather than nothing at all." The way I see it is that I am paying $67/month, my dogs most recent vet bill was $862 and they only reimbursed me $462. If I put $67/month in an account for my dogs each month instead of sending it to insurance then I would come out much cheaper than taking the chance of insurance not covering the bills. My biggest complaint is that they do not have any type of loyalty to customers such as myself, who has been with them for 7 years now and for me customer service is everything. Without great customer service and the willingness to take care of your long term clients, how can you expect to keep those clients?

I’m so happy I have this insurance. My girl “kit” is a rambunctious mixed terrier. I haven’t had a dog for over 30 years but know that anything can happen. I’m grateful my girl is fully covered. ASPCA has been wonderful with quick service and easy claim filing. Whenever I’ve talked with anyone on the phone I’m impressed with the kind, personal interest shown. No phony sales pitches. I’m happy to renew my policy and will continue I’m sure with this great service.