ASPCA | Pet Insurance Review

Completed my first claim for our young puppy and was very pleased with the seamless filing process and the very quick turnaround on payment. Found the website very user friendly and the communication very timely and helpful. Very positive experience overall. Thanks!

I am so glad to have signed up for ASPCA. It is so much like having health insurance for yourself, you can pick your deductible and reimbursement percentage and they have preventative options too. We originally had preventative but realized we didn’t use it much so we removed it and the process was easy, I also have the option to add it back on my renewal date if I choose to. The insurance is for accident/injury or illness, for the unexpected. There are a few things not covered like a torn ACL or pre-existing conditions, but for what I’ve needed it for it has been a huge blessing. My dog Willow has had a few smaller claims and one larger one. They all were approved as well as any estimates I submitted beforehand. I like the estimate feature as it can show you exactly what you would be covered for before a procedure was done in a non-emergency situation. I have used the estimate feature with more optional procedures and I ended up not needing those procedures (one was an endoscopy and the other was for gingivitis). We were able to use alternative medications like acupuncture that ASPCA covered and Willow was healed! She recently had sprained her front paw and was limping, we had already paid her deductible from another visit this year about gingivitis and the claim was paid quickly and accurately according to my plan of 90% reimbursement. I highly recommend the lower deductible and higher percentage return. I noticed some reviews stating their claims getting denied, I have had that happen but it was because I was either missing required information (like vet records) or because I had submitted an estimate shortly before the claim and some of the services overlapped the two making it seem like a duplicate. I easily corrected that by submitting the right documentation and/or resubmitting the claim with a clearer explanation. I have never had any issues with claims or payments. This is a company I will be using for a lifetime. They also offer discounts to members of certain groups like NSCS. We love ASPCA!

My horse fell and had an injury due to the accident of falling. My claim was denied. Seems like they will do anything possible to not pay out on a claim

They really don't cover much and the deductible is high, and they did not apply ANYTHING from my last vet visit to my deductible, no explanation. The claim process is relatively easy and the phone reps are nice and helpful, but for every single claim they want the SOAP notes from the vet. I've never had to do this with other pet insurance companies.

Fast and easy to submit a claim and everything was processed super quickly