ASPCA | Pet Insurance Review

We've had pet insurance for both of our dogs since they were puppies. We've tried several different companies, and we've honestly been happy with most of them. We're currently with ASPCA because their plans best met our budget at this time. We've used them for wellness coverage for the last few years (the level 3 plan), as neither dog has needed much more. I do have to say that our vet is one of the less expensive options in our area, yet the insurance company hardly ever covers their expenses completely, citing them as being "beyond reasonable costs for the area." This is rather frustrating at times, as we then have to pay beyond our deductible and the 20% coinsurance. I can't compare the coverage of other insurance plans in our area, as we've only had ASPCA since moving here three years ago. Recently, one of our dogs got extremely sick and needed lots of expensive bloodwork and tests. ASPCA pet insurance covered much of it (minus the deductible, the coinsurance, and the vet charges they deemed unreasonable), which was extremely helpful to us. The claim submission process is relatively quick and easy, and we had our reimbursement within 2-3 weeks. We were pleased with the process, and we feel it is worth it to have pet insurance for peace of mind in these kinds of situations.

I feel the coverage is adequete and the premium is reasonable.

AFTER MY MIXED LAB BRANDY WAS DIAGNOSED WITH DIABETES I DECIDED TO PUT ALL MY PETS ON HEALTH INSURANCE. I CAME HOME FROM WORK ONE MORNING AND THERE LOOKED LIKE SOMEONE HAD BEEN MASECARED IN MY HOUSE. THERE WAS BLOOD EVERYWHERE BLACKJACK,MY PUREBRED LAB HAD SPLIT OPEN HIS TAIL AND WAS BLEEDING BADLEY. I COULDN'T GET A BANDAGE TO STAY ON IT ,SO I DROVE HIM TO THE VETS LIKE THAT. IT TOOK THREE OF US TO HOLD HIM DOWN TO GIVE HIM A SHOT. WE CAME HOME WITH A CONE AND WRAPPED UP TAIL.HE WAS SMART ENOUGH TO BUMP THE CONE AND PUSH IT BACK SO HE COULD CHEW OFF THE BANDAGES. AFTER AFEW TRIPS TO THE VETS AND BLACKJACK CHEWING ABOUT 4" OFF HIS TAIL WE HAD TO GET IT AMPUTATED. I PUT THE SURGERY ON A CARE CREDIT CARD. BECAUSE I HAD PAID THE DEDUCTABLE FROM BLACKJACKS PREVIOUS VISITS I WAS ABLE TO PAY OFF THE CARD. THANK GOD FOR ASPCA.

ASPCA has always been very considerate and caring when i have needed them. Even when I was upset due to the injuries of my sweet miamine the representatives helped me to feel better and reassured me that they were there for me if I needed to ask questions, talk and demonstrated their love of animals as well. ASPCA has always been timely in processing and reimbursing me on my claims. I am proud to have this insurance on a little someone that loves me so unconditionally as I love her. My Kmiamine!

Did not follow through with promised coverage. Total scam