ASPCA | Pet Insurance Review

You never know what you might run into when you've got dog(s). ASPCA's insurance plan is easy to understand and easy to manage on their website. Bills can add up quickly! You do pay the vet the full amount right away, but it is nice to know that you have someone taking care of you, and your dog when you need it. If I had one thing to change, it would be to change to the pre-existing clause. Otherwise, ASPCA pet insurance has been a helpful asset to have.

We have been very happy with our insurance through ASPCA. It is a relief to know that our dog is covered if any problems come up in the future. I would highly recommend their insurance.

I purchased ASPCA Insurance for my new dog immediately because I spent so much money on medical care over the life of my previous dog. I have to admit some of the medical decisions I had to make were based on money (what was affordable and what was not), that I am convinced I may have compromised the quality of care my pet received. I don't want to have to make a life or death decision based on money with my new dog. The deductible is easily met and the reimbursement rate is great. The service ASPCA provides is efficient and problem-free. The annual premium is automatically billed to my credit card so I don't really notice it. What the premium breaks down to monthly might be considered a somewhat significant expense to some, but when a medical problem arises with my dog, I don't even hesitate to have her checked at the vet. I almost think, "bring it on" because I know I'm covered. No medical catastrophe will be a death sentence.

We have three dachshunds, which is a breed prone to back injuries. We also provide them with preventative care, annual dental work, etc. Petshealth coverage allows us to keep our dogs healthy and, in the case of our Toby, who suffered two herniated discs, allowed us to focus on his recovery rather than the cost of the two surgeries he required. Toby is now 14 years old and truly a joy every single day. We wouldn't have an uninsured pet, ever.

My dog Tucker is a Welsh Cardigan Corgi, 12 years old and in good health, but when my husband died last year and my income was drastically reduced I was afraid I wouldn’t be able to afford the vet bills that I knew would be coming up in the next few years. I purchased a policy on Tucker last year and since then he has had anal gland surgery (very expensive) and a serious illness. I haven’t added it up but I believe I am in the black or at least even with the premiums paid versus claims paid these last two years. I especially like how easy it is to submit claims via e-mail and how they are handled promptly by the company in a fair manner. The only thing I would change would be the “pre-existing conditions” clause every year. Some of these illness are long term or overlap the policy anniversary date and it would be most helpful to have them covered—if they began while the insurance was in effect, of course. I recently acquired a four year old “mutt” and one of the first things I did was insure her with ASPCA Pet Insurance. I hope I don’t need it, but . . . .