ASPCA | Pet Insurance Review

In May 2010, my cat Jack was diagnosed with Diabetes Mellitus. Getting ASPCA Pet Health Insurance with Continuing Care for Jack was the best thing I did in 2008, when I originally found out about pet health insurance. Now, Jack is happy and healthy and I am submitting regular claims for his treatments. Over the past year, I've found that having a pet with diabetes is expensive, even more because I have other pets who also need to see the vet. The ongoing veterinary expenses piled up quickly and were threatening to become a financial burden. Luckily, I had pet insurance for all my cats. Between his blood tests and the cost of a three-month supply of insulin and syringes, I ended up paying around $650 for Jack's first two visits to the vet. In addition to these expenses, I found out I would have to take Jack in for monthly blood tests and I would have to by insulin every three months. All told, I spend approximately $150 per month to treat Jack's diabetes. Without ASPCA Pet Health Insurance, Jack's diabetes diagnosis would have forced me to make some difficult financial decisions. While Jack's blood tests and insulin are certainly not cheap, recouping a percentage of my out-of-pocket expenses has been critically important for my finances. I have had nothing but positive experiences with my ASPCA Pet Health Insurance policy. Everyone should purchase pet health insurance, even if there doesn't seem to be an immediate need! Planning ahead will sav

The joke around our house is our dog has been health insurance than we do! They are fast and effcientand I would reccomend this to anyone.

I have this insurance for my dog Leo and my 2 cats Morris & Noah. ASPCA really helped out alot when Noah became ill with a stubborn UTI that would not go away until many expensive tests to find the right medicine that would treat his UTI Noah underwent many weeks of injections I had to give him daily for his UTI and it was very costly. ASPCA helped pay most of his expenses in a timely manner. I am so happy I have my four legged kids insured with ASPCA

Hartville Pets Health Plan is good except for one major problem: when the insurance date rolls over, anything you discussed with your vet before that date is considered "pre-existing". BS if you ask me. My date was mid-December, and we discussed some options with my vet in November but didn't pursue the treatment until January. The claim was denied on account of it happening in a previous year, despite being with the company for 8 years! I have left the company over this.

I've historically questioned the reasonableness of paying the annual pet insurance premiums on my two dogs, as the generic deductible seemed high and wellness coverage was questionable. However, when my lab was diagnosed with a torn ACL earlier this year and the estimated bill approached $2,800, I was glad to have the insurance in place. ASPCA did a good job of walking me through the process, and payment arrived within two weeks of the surgery. Coverage was very reasonable and the overall process was fairly painless. My dog received the full care she required, and the coverage essentially paid for the prior five years of premiums. I’m concerned about the ‘pre-existing condition’ clause affecting future issues, but I was glad to have the insurance in place as it certainly eased the financial burden of an otherwise difficult process. I intend do maintain both policies going forward if only for the peace of mind they provide.