We live in the Washington DC area where pet care is quite expensive. As such, most of the charges are above the allowable amounts allowed by ASPCA. Our reimbusement is usually around 50% of the claim. We have a dog with glaucoma and recently she suffered from keratitis and needed surgery. Our ophthalmologist strongly stated that the two conditions are unrelated. I have submitted claims which have not yet been processed, so I don't know what the result will be.
We bought insurance when our dog was approximately 12 years old and have not used it much. Only two claims have been processed in two years. I feel some comfort in having pet insurance, but until recently have not needed to use it. It is difficult for me to rate ASPCA since my experience has been limited. I actually am glad that it has been limited.
One thing I have been disappointed in is the processing time. Telephone assistance is always very good.
Jack Russell Terrier