ASPCA | Pet Insurance Review

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.

So easy to use, easy to upload invoices, money back quick. I will always use them for all my dogs!

I have had this insurance for 9 years and I never had use it, but when I did, process of getting the help I needed for my beautiful cat was wonder. Thank you so much.