ASPCA | Pet Insurance Review

My dog was diagnosed with a very rare infection and he's currently undergoing treatment and has for the past 9 months! The treatment is very expensive and having ASPCA coverage has helped defray the cost of the treatments. I've been very happy with the speed of getting reimbursements and pleased with direct deposit. Wish they had a mobile app to make submission of receipts easier. Also, being in Southern CA, I wish that ASPCA would adjust their permissible rates - this isn't like people insurance where the doctors agree to a specific amount. We are stuck paying whatever the doctor charges and then we are limited by what ASPCA considers to be reasonable ... so while I pay for the plan to get 80% reimbursement, it averages to be MUCH LESS than 80% but it's better than nothing!

My oldest cat has had 2 serious medical problems in the last 5 years, both of which were costly. The claims submission process was easy (I scanned and emailed my claim forms) and the funds I recovered defrayed a substantial amount of my out of pocket expenses.

Ironically, we decided to get pet insurance after our Cat, Oscar had crystals in his bladder and was sent to the emergency vet. We racked up a huge bill $3,600 and decided it was time to do something. Instead of getting insurance for our cat, we got insurance for our accident prone dog. Finn, our Border Collie/German Sheppard mix, loves to eat things, especially things he shouldn't. One morning Finn decided to eat my garlic peeler and a couple garlic cloves, which meant my husband needed to rush him to the vet. ASPCA was fantastic, they processed my claim very quickly and always make sure to give me a call to check on Finn. Anytime someone mentions pet insurance, I tell them to check out ASPCA.

In December 2015 one of my pets was diagnosed with diabetes when he was in the vet's for another reason. I had mentioned he had a large urine output that prompted a check of his glucose level, which was extremely high. My pet was put on insulin but it seemed to make matters worse, and at one time I had to take him to the Emergency vet. Insulin was stopped, and he is being maintained with diet. The claim for the initial diagnosis, as well as a claim for the trip to the Pet Emergency clinic, were processed quickly and fairly. I am very happy with ASPCA pet insurance.

A year and a half ago I lost one of our beloved dogs to a veterinarian I had regarded to be the best. His name was Harley. I took him for a simple teeth clean and to remove some benign tumors and he ended up unable to eat ever again. Somehow, the vets let him lie flat and the fluid from his stomach destroyed his esophagus. After a month of stomach tube feedings and watching him deteriorate, we had to send him to Heaven. ASPCA was aware of what was happening from the invoices I had been submitting. This wonderful organization called me often to give comfort and counseling during my time of great, great grief. I will always, always recommend this organization for pet insurance, they are efficient, honest and fair in their claims process. Take my advice, please--do NOT ever have your dog's teeth cleaned under general anesthesia. Buy Tru-Dog "Spray Me". It truly works for removing tartar. Check it out.