ASPCA | Pet Insurance Review

We signed up with ASPCA for our new labradoodle puppy in 2009 at Level 3 and felt very comfortable that she would be ok regardless of what happened. They were great with coverage for the early needs of new puppies - spay, standard vaccines, etc. However, when she stopped eating and drinking, had diarrhea and was throwing up for days, we had to make an emergency visit to the vet. Our pup had to stay about 1 1/2 days, and they ran a number of tests to see what could be wrong. The bill for her treatment ended up being approximately $800, and ASPCA refused to cover ANY of it!! Despite letters from our vet attesting to the necessity of the treatment, and from us explaining her dire state and how we waited before taking her in, they said No. I would never recommend ASPCA because, if you can't take a sick young puppy - with impeccable pedigree and no issues when taken for initial assessment (after we brought her home from the breeder) - to the vet and count on your insurance covering the treatment, what's the point of paying them anything?? Especially when the Vet vouches and its an $800 bill! We've heard good things and plan to switch to Truepanion.

I've had ASPCA pet insurance for my dog, Casey, since I got him 3 yrs. ago. The first time I filed a claim (for a fight over a tennis ball) I was very happy with my reimbursement. Then, just last month, Casey needed ACL surgery. I was very impressed, relieved and happy for the reimbursement which was about 65% of the total. And for both claims ASPCA said they would handle the claim within 30 days and they did so without any hassle. I have total peace of mind with ASPCA.

We have had ASPCA pet insurance on our 7 year-old Lab, Crusoe, for 2 years. We selected Level 4 of insurance which covers a number of wellness procedures. We had dental work done, including an extraction, as well as cleaning and this was covered. They also cover shots and heartworm meds and tests. Having this insurance makes it affordable to keep our dog healthy. He has had a couple of ear infections (common for the breed) and treatment is covered.

My older dog had a tumor on his eyelid that was causing discomfort, continuing eye infections and the possibility of permanent eye damage and vision loss. He had another tumor on his knee. Both were removed at the same time. Based on my health insurance claims experience, I dreaded filing claims on my dog. I was pleasantly surprised. It could not have been easier, the response was timely, explanations thorough and the coverage was much better than I had hoped for. I would not even consider having a pet without insurance coverage. The rates are nominal and the peace of mind is exceptional.

I had three cats (one mixed breed and two Balinese) on ASPCA and in all cases of claims except for one they refused to pay anything, arguing pre-existing and/or heridtary condition even though there were no known problems when I first insured the cats. They seemed to view life as a pre-existing condition. I cancelled after having wasted money on ASPCA and being subject to paying large vet bills on my own. Highly dissatisfied to the point of thinking this is a sham / fraudulent company.