ASPCA | Pet Insurance Review

These guys are awesome! And I DO have a comparison. Years ago I had pet insurance through a competitor, the one most recomended. (Starts with a V). The 'other guys' fought every single claim. Every claim! The insurance was absolutely worthless. I cancelled and thought I would never use pet insurance again. Several years later I signed up for ASPCA. ASPCA has been amazing. They have paid every claim promptly without any contention whatsoever and usually call a few weeks later to see how my dog is doing. They truly seem to care about my dog. But here's the piece de resistance: my dog had a hip issue on her right hind leg and was treated 2 weeks before her policy renewed. Five months later, she had another problem with her right hind leg. Vet diagnosed it as an ACL injury. ASPCA immediately said they would cover it as a new condition (not continuing care) because it was a different issue. I guarantee, the previous 'other guys pet insurance' would have fought me all the way to court because it was the same leg. With x-rays and surgery, ASPCA has paid about $2400 so far on this one injury. There is a $3000 cap on one incident. Yes I wish they had paid more of the surgery - but I am so grateful they did not argue and try to claim this injury was related to her previous hip issue. I am not a doctor, but seems like her weakened hip could have attributed to her ACL injury but they considered it 2 different events. I've read the reviews and I'm sorry if others have had a bad experience with ASPCA. I have found them to be exemplary and suggested to my vet that he share my recommendation with all his other clients/patients. In my opinion, they are OUTSTANDING in the pet insurance world.

While I do wish that they raised their coverage costs for my area, the claim process was quick and satisfactory. My only gripe is that when my pet needed emergency surgery, they said they cover up to $3,000 per incident. However, once they went through the itemized bill, there were a number of list items that are flat out not covered. In addition, some of the line items were considered above average price, and only received reimbursement for a portion. All in, the surgery cost around $4,000 and I received $2,400. I will give them significant credit for excellent customer service and a speedy and painless claims process.

I have never been more satisfied by any decision in my life as I am of taking pet insurance from the ASPCA.

The claims were handled in a timely manner. Excellent customer service

Over the past several years we have insured all our dogs with ASPCA Pet Insurance and they have consistently provided outstanding customer service. ASPCA Pet Insurance has assisted and supported us through illnesses and accidents so that our dogs receive the best possible medical care. The staff is genuine, kind and caring.