[AmeliaBadelia]

I was torn between Banfield & the ASPCA insurance. Banfield would definitely be the most convenient. If we planned to live here forever & didn't have family so far away, I would've absolutely gone that route. However, I ultimately ended up going with ASPCA due to the fact that I can go to any Vet I want in the U.S.A. This means a lot as 1) we move A LOT and 2) my family is down in Coastal GA and my husband's family is in Los Angeles. If something goes wrong while we're on vacation, or after we move from here, I can rest easy knowing that Amelia will be taken care of. No searching for the nearest PetSmart Vet & hoping & praying that the vet in the new Petsmart is a good vet.

I had originally considered VPI, it seemed like the best on paper, but I heard some bad reviews about coverage & actually paying out.

ASPCA has a $100 yearly deductible & $11,000 in yearly coverage/3500 per incident on the Advantage Plan (which is what Amelia is on). I was torn between the Advantage & the Premier (which has the benefits of flea, tick & heartworm medications) - however, I did the math & it comes out cheaper to just buy those myself than pay for it through insurance. I trust the ASPCA to do what's best for my pet.

Anyway, I haven't actually used it yet, so I can't tell you how quickly they pay out. However, I'll be using it very soon to cover Amelia's spay (which is a whopping $700 bucks where I am!), so I'll be sure to let you know!