Stay away. You'd be better off putting money in a mayonnaise jar in the backyard every month. At least you'd have a way to pay the vet bills.We had been customers for several years and never made a claim. When we really needed it, their deceptive and sleazy renewal policy did not pay.
Our dog developed glaucoma in one eye. The eye needed to be removed because of the severity. Our regular vet referred us to a specialist. The vet suspected valley fever had attacked the eye and wanted to run tests to make sure our dog was healthy enough for the surgery. This meant a two week delay between diagnosis and surgery. Those two weeks took us into a new month and therefore a new policy.
ASPCA refused to cover the surgery because the illness manifested before the new policy. They do not consider your payment as a continuation of the policy, but a new policy. It's like you have purchased the policy for the first time. You can buy extra "bridge" coverage for the policy to be treated as a continuation. This of course is not stated up front. Every insurance agent I have talked to about this has been horrified that this insurance operates like this.