ASPCA | Pet Insurance Review

I am very impressed with the speed at which ASPCA reviews claims and the clear expectations they outline in there policy. I have had no issues with any claims and have seen reinbursement in as little as 4 days. This is especially helpful during times when the vet wasnt sure if there were many options left for treatment, but left us open to try different things without having to put money over your pets life.

We often hear about people having your back and that is not the case - with ASPCA they have your back and they care about your pet! When my pet (Jacob) is sick the last thing I want to worry about is can I afford the medicine or can I get that test that is needed. I still am concerned with the bills but because I have my ASPCA insurance I don't have to say 'no' I can't do it. ASPCA is there through the hole incident helping and caring. My ASPCA insurance is priceless to me! I recommend them in every way possible they aren't an insurance company they are a compassionate friend. ASPCA also shows their caring by calling and checking in on my pet Jacob. You may not think to much of that but when something has happened and you get their call it is not worth a million it is priceless. THANK YOU ASPCA FOR HAVING MINE AND JACOB'S BACK. I recommend your insurance to everyone and will continue to recommend you to all I meet.

I am so thankful when we adopted Scooby as a puppy 6 years ago, we purchased an ASPCA Pet Insurance policy. Insurance has covered the costs of injuries and illnesses, including a couple of overnight emergencies over the years. I never want to be forced to compromise his quality of care due to finances (and incidents usually occur when money is tight - am I right?) A couple of things I'm a little annoyed about include coding of charges and mis-categorizing conditions. Many times our vet's itemized list of charges aren't fully covered due to Code 19 'Exceeds Usual & Customary.' (1) Example, Scooby was in for worse than usual spring allergies. He was prescribed a dry eye prescription costing $76, but ASPCA Insurance coded it #19, so we were only reimbursed 80% of $52. (2) Vet prescribed the medicine to boost Scooby's tear production to combat dry eyes due to pollen; however, this incident was categorized by ASPCA as a 'Heredity/Congenital Condition.' He's 6 years old and never had this before. He was not diagnosed with Dry Eye Disease, which IS an inherited condition, but instead diagnosed with dry eyes due to severe seasonal allergies. I was given the opportunity to file an appeal but at this point, it's not worth the fight. Overall very satisfied with the years of great customer service and level of reimbursements. Would like to see ASPCA offer more'Add-on'options (or discount programs) to help pet owners offset costs of non-incident associated medicines, allergy therapies, vitamins, supplements, RX foods (some critters are required to be on these for life) & preventives (flea/tick/heart worm.)

Our Yorkie Rufus has given us a few chances to use this insurance and each time we have been very happy. It is easy to submit a claim and to track the status of a claim right online. The claims were processed quickly and the direct deposit makes getting your money that much quicker.

Fortunately I haven't had to use the insurance other than for well care and routine vet visits but knowing it's there provides peace of mind. The reimbursement process is straightforward with a fairly quick reimbursement time.