ASPCA | Pet Insurance Review

I am very unhappy with this insurance and would not recommend them at all. I spoke with a representative when I first purchased this insurance and it was never explained that they get to decide how much they are willing to pay for something and you get reimbursed from they decided something is worth. For example my dog injured her tail and we had to have it amputated. The vet charged me $137 for the amputation ASPCA decided the amputation was worth $120 so (after the deductible I was reimbursed 90% of $120. SO MISLEADING!!!!! My total vet bill was $704 I had a $100 deductible but I was only reimbursed $434. EVERY SINGLE ITEM on my bill was over the ASPCA allowable amount (so I lost money on ALL of it) The allowable amount on one of the prescriptions my dog had was $.54 where can I get a prescription for under a dollar!!! I would not recommend this company and I think they are very deceitful!!

we have a 4 year old domestic short hair cat. we divide our year between NY and California. We have had a claim rising in each location. The company processed our claims very quickly and issued reimbursement. we have NO reservations about ASPCA.

getting my puppy pet insurance was the best idea ever ! - you never know when something will happen and claims faxed easily to aspca are processed quickly and accurately.

I had decided to cancel my enrollment because my dog had not had any accidents/illnesses. When I called to cancel the very friendly staff person I spoke with kindly said that since my dog was older if I cancelled I would not be able to easily re-enroll if anything changed. Based on her advice I kept up with the insurance and its a good thing I did. It wasn't very long after that I really needed the insurance due to some large medical costs. They could have easily cancelled me and never advised me, but since they did I have been able to save a ton of money. I am very grateful for their caring attitude and they earned a long time customer based on that one phone call. Reimbursement for expenses is always fast. Website is very easy to use. I highly recommend. When your dog gets sick the last thing you want is to have to say "no I can't afford it"... or pay for it and be broke as a result. Then you're dealing with the pain of your dog's illness AND money problems. It's so much better to be able to say, yes please go ahead with treatment and know that it is paid for. (and not primarily by you!)

We had our first issue and ASPCA was great. I submitted the claim and paperwork online and had a check in our mailbox less than a month later. They even added on a line item that I left off. I would absolutely recommend.