ASPCA | Pet Insurance Review

I have coverage for my two chihuahuas after canceLing anot her insurance after I was denied two claims one on each dog. I then hpoked up with ASPCA that was over 4 years ago. My Lilo has been diagnosed with diabetes, has gone blind and suffers from alergies. After each claim they have called to see how both of my dogs are doing, they truly care about my dogs.

Super friendly customer service. Fast service and payment. Highly recommended.

My poor little puppy of 10 years became extremely ill and we almost lost him! The hospital stay and operation bills were close to $9000.00!! Without this coverage, I don't know what we would've done to pay the bills!

At this time, I am not sure I am happy with ASCPA pet insurance. I currently have to two pets covered under ASCPA pet insurance - I chose a Level 2 plan for each of them. Between the two pets I recently submitted five claims totaling $853.55 to ASCPA. Out of the $853, I will be reimbursed $258 - approximately 30% of the total. One claim of $470 was for my 8 month old kitten who was spayed. For that particular claim, I will be reimbursed only $100 out of the total $470 claim for the spaying. I thought ASCPA [especially being ASCPA] offered a better care plan for my pets - especially thinking that I had a level 2 plan - my mistake. I am not convinced that ASCPA is a good pet insurance plan to choose. I have yet to see anything close to 90% reimbursement. BE SURE YOU UNDERSTAND THEIR THEORIES ON PRE-EXISTING CONDITIONS AND THEIR 180 day CLAIM WITH 'CURED' BEING THE SKEWED AND KEY WORD here. 30% reimbursement just does not seem adequate to me and it seems they are good at denying portions of your claim leading to them paying much less than the up to 90% as advertised. I thought this was a good and safe choice being ASCPA, but that is very questionaable. I have submitted one more claim. I will look at the percentage that I get back. If it is a low percentage again, I may have to reconsider this pet insurance plan. I also suspect that they may have lied to me. I previously submitted a claim that was denied based on a pre-exisiting condition. I thought my pet would be covered because he had not any symptomotology of allergies for 18 months, but again their interpretation of the contract and the word "cured" did not match what I understand or what I was told on the intial call regarding this insurance. Needless to say, they would not cover the claim and that was that.

2 wks before Chrismas, our 13 yr old Corgi walked like he was drunk. It turns out he had a neurological syndrome which was easily treatable with meds. On Christmas day, our 5 yr old Bichon ate 1/2 of a dark chocolate bar & spent the evening at the emergency vet. Our ASPCA insurance sent our reimbursements very quickly. They called multiple times to find out how our dogs were doing which is a rare thing in this day & age.