ASPCA Pet Insurance is a Fraud! Shelby, our third yellow lab, was 2 months old when we decided to get pet insurance, thinking that this would be beneficial.
She had a clear bill of health from both her breeder's vet and ours when she arrived. She came with papers from AKC. After 9 months she started limping. Tests showed bilateral elbow displasia.
She underwent surgery ($10,000 including MRI and follow up care) at 13 months. Submitted claim to ASPCA and they denied (after 2 months delay) due to "Pre-existing" condition....Then they told us that "Labs are genetically prone to joint displasia". I asked how we would have known about this when applying for their insurance, they didn't have a good answer. All breeds are prone to varying disorders and I suppose that they would deny all claims based on this as well.
Save your money on premiums and use it when your animals need vet care.