If I weigh the premiums paid against the vet bills for covered conditions, it was definitely not worth the money. I was reimbursed a certain percentage for covered conditions, but considering the deductibles and allowed amounts, ASPCA coverage did not pay off for us even considering the fact that our dog did require more than usual veterinary care because of allowed conditions.
I would not recommend ASPCA Pet Insurance to anyone for this reason and the fact that reimbursement was always greatly delayed.
I also had the feeling that anytime we received reimbursement that they felt we were lucky to be getting it. Isn't this what insurance if for?