My strong recommendation is that you DO NOT purchase ASPCA Pet Insurance (actually operated by Hartville Pet Insurance). They will happlily accept your premiums and then just as happily deny your claims based on "pre-existing condions" using every trick in the book to do so. When they're unable to claim pre-existing conditions, they will minimize the payment based on some ludicrous schedule of payments "in your area" that has no basis in reality. Here are some of my experiences, summarized:
1. Purchased annual policy effective June 2004. This made my annual renewal date June 1st of each year.
2. Paid premiums monthly. Almost all of my claims were nullified by the deductible. When I actually had a service performed by a vet that exceeded the deductible, the insurance adjuster came up with the most ridiculous "reasonable & average" cost for the procedure (which was LESS THAN ONE HALF of what my vet charged (and I checked 4 different vets in my area - all were about the same), and then subtracted my deductable from that. ON A $275 CLAIM, I RECEIVED A CHECK FOR $34.
3. The most outrageous element of their scam occurred when my dog was diagnosed with cancer in May of 2008. The vet scheduled the removal of a malignant tumor for the first week of June. The cost was over $2,400 for the surgery. MY CLAIM WAS DENIED BECAUSE THEY CLAIMED THAT BY JUNE OF 2008 (one week after the policy renewed), THE CANCER WAS A " PRE-EXISTING CONDITION" (i.e. it existed in the prior policy year, which was actually 2 weeks prior).
Only the actual filing of a lawsuit by my attorney got this scam shop to pay my claim (and again, only half the actual cost).
I STRONGLY SUGGEST YOU CONSIDER THESE ISSUES BEFORE PURCHASING A POLICY FROM THIS COMPANY!