ASPCA | Pet Insurance Review

For most of the time, I have not paid attention to the policy at all. The coverage for routine exams is nothing spectacular, and I tended to pay for them and ignore it. However, this past autumn my cat became terribly sick. An inner ear infection migrated to the optic nerve. His right eye sank in, he stopped eating and he could not stand up. Treatment included two weeks of hospitalization with intravenous antibiotics, and ran to over $3,000. I sent in the bills just hoping to get covered for whatever I could, and was amazed to find that most of the expenses were covered. If not for Petshealth insurance, I am not sure where the money to pay for all this would have come from.

my pet had eye problem,burns,and a bowel problem. these illnesses were paid within a reasonaable time ata good rate which included some of the medications. i have been more than satisfied with the insurance. i consider the insurance very superior.

Representatives are nice and polite. The process is easy to follow. The premium is affordable. The "80% of reasonable Charge" is not good. I compared several vets in my area, they all charge the similar price, but ASPCA considers all of them over charged, so I really get reimbursed 50%-70%. Don't know where ASPCA get their standard of charges for my area. ASPCA should provide a list of vets in each area that do not "over charge" patients, that will make their decision more acceptable. First month after activate insurance, the health issues are not covered, this should be improved. The puppies that were checked by vet before go to new home at 8 weeks of age, and was checked right after arrive the new home(next day?) should be immediately covered, unless the illness happened within first month of insurance is determined by vet as an existing issue started before Insurance was bought. Puppies are very like babies, need extra care, that is why I buy insurance for them. One month no cover but still need to pay premium is really not right.

My 2 german shepherd dogs suffered from severe itching since September 2010. It was very difficult getting to the root cause of their symptoms finally in April 2011. Pollen or mold allergy was first suspected, then food allergy. After many veterinarian visits and symptom treatment a visit to the recommended canine dermatologist repeated the skin scraping test (negative again) but he deduced that their symptoms were most like scabies. This treatment cured their itching. ASPCA Pet Insurance came thru with timely reimbursement to cover much of the veterinarian and medication expenses. The only dissappointment is that even after meeting my deductable the insurance covered only a portion of the remaining expenses. Despite this disappointment, pet health insurance reimbursement more than paid for the insurance premium so I believe it is very cost effective.

Winnie is truly my child in a dog suit. Having this insurance gives me the peace of mind to know that I would never have to make a decision based on finances (not that I ever would!!). I have been fortunate to only have had to file one claim. Reimbursement was fast. Great plan, affordable. Wouldn't want to be without it.