I had this insurance for my cat who was diagnosed with cancer last year. It was not curable, but she could have a good quality of life with medicine to manage her symptoms. ASPCA insurance covered her expenses, but when the policy renewed (which happens every year)they would no longer pay any claims for her continuing care.If you were unfortunate to have an accident or illness happen right before the policy renewed, the care would not be covered after that arbitrary date. What a horrible position to put a pet parent in after they have been paying premiums for years.
I had otherwise been pleased with ASPCA, but I will not enroll another pet with them after this happened. There are other policies out there with similar premiums who do not do this.