ASPCA | Pet Insurance Review

I purchased this insurance for our Akita who is now about 9 years old. Luckily, I did not need to use the insurance very often as this pet has been fairly healthy. However, the policy offers peace of mind when it comes to unexpected medical expenses. It makes it easier to concentrate on diagnosis and treatment options without the monetary concerns guiding the outcome. I would find it more convenient if I did not have to submit the paperwork on my own as I often neglect to do so after I return from the vet's office. Someone mentioned to me that it would be helpful to fill in the basic parts of the paperwork and use it as a template for future vet visits. I plan to do this in the future to enable more timely submission of expenses.

Claim was handled promptly and effeciently. I hope in the future you will allow some discounts or coverage for wellness checkups as that encourages pet owners to take their pet once or twice a year for check up, which is important. I had an illness for my cat this year and also her wellness checkup. Because I went for the illness and submitted a claim, I got a check for the wellness checkup. Otherwise my pet is healthy and the wellness checkup have never been covered. I hope you can correct this. Thanks so much.

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.