ASPCA | Pet Insurance Review

I have been faithfully trying to keep my dog alive and happy since his terminal adrenal gland cancer diagnosis last fall. The vet visits and chemo prescriptions are very expensive and the ASPCA $3,000 per incident coverage limit, while helpful, only covers a portion of the costs. We have been paying into our policy for nearly 9 years, ever since we rescued our pup. Now I have just been told that his coverage will go DOWN for his "ongoing condition" once the year re-sets on September 1. Yeah, let that sink in a second. It's not a pre-existing condition, it's an "ongoing condition" for which we are only entitled $1,000 in reimbursement going forward. What sense does this make? A dog, or a person for that matter, with a serious incurable condition, does not need LESS coverage as time goes on, they need more. When I called the company to discuss this I was told that there are newer policies available as of a year or two ago that have better coverage for so-called ongoing conditions, but I was never made aware of those policies and I'm just stuck with what I've got. It seems to me that the ASPCA in theory would share the pet owner's goal of keeping their animal healthy and happy and well-treated as long as possible. Who would create a policy that diminishes coverage for conditions over time? Only someone worried about the bottom line. Buyer beware.

I have been faithfully trying to keep my dog alive and happy since his terminal adrenal gland cancer diagnosis last fall. The vet visits and chemo prescriptions are very expensive and the ASPCA $3,000 per incident coverage limit, while helpful, only covers a portion of the costs. We have been paying into our policy for nearly 9 years, ever since we rescued our pup. Now I have just been told that his coverage will go DOWN for his "ongoing condition" once the year re-sets on September 1. Yeah, let that sink in a second. It's not a pre-existing condition, it's an "ongoing condition" for which we are only entitled $1,000 in reimbursement going forward. What sense does this make? A dog, or a person for that matter, with a serious incurable condition, does not need LESS coverage as time goes on, they need more. When I called the company to discuss this I was told that there are newer policies available as of a year or two ago that have better coverage for so-called ongoing conditions, but I was never made aware of those policies and I'm just stuck with what I've got. It seems to me that the ASPCA in theory would share the pet owner's goal of keeping their animal healthy and happy and well-treated as long as possible. Who would create a policy that diminishes coverage for conditions over time? Only someone worried about the bottom line. Buyer beware.

I was very nervous about getting my first bulldog and more nervous about selecting an insurance from the 100 emails I was getting when I requested quotes. I read through the ASPCA Pet Insurance policy and was excited that illness and accidents would be covered under my plan at 90%. it helped me relax knowing I can take my dog to the doctor just like a child would need to visit in the event of getting sick or injured. I love the website, submitting claims online has been easy and getting a clear Explanation of Benefits to tell me what was covered and what I can get reimbursed for. You always need to ensure you have your receipts and medical records to submit but they take care of the rest. Calling into customer service has always resulted in getting answers and their follow up for my dogs care is very personal. I am sure I will stay with this plan for years to come and recommend this plan to others without reservation.

Very happy with my choice of pet insurance. Always very helpful when I have questions .

We had a complicated medical issue with our puppy, but it was easy to submit multiple receipts and medical records online. It takes a couple of weeks to process, but they do a thorough review and it’s easy to track progress. We were able to recoup much of our medical expenses, which was a tremendous help. We value knowing that we can make medical decisions in the best interest of our pet and not just based on cost. The puppy is doing great. Would highly recommend.