ASPCA | Pet Insurance Review

In the end, I'm really glad to have ASPCA. Submitting my first claim was a little rough because the amount submitted by the vet did not match the amount of the invoices I paid. Calling in helped resolve about 50% of the problem; like any big company patience is important when you are on the phone. The representative told me all the invoice numbers and the amounts so I could track down what was missing. Since I've submitted the claims myself, it has been great. Bob called this morning to check on my pet and offer some encouragement. I was surprised but happy - I've never had my health insurance call me after I visited the doctor! I even had some questions about continuing care and claims now that we have a diagnosis. We have three cats insured for under $100 per month. With one incident, we are seeing a return on our investment.

When we first started I was a little upset that they hardly paid us anything for a claim but then I realized about the deductible clause. Since I reached that amount things have been better and we are getting payments back on claims. ASPCA insurance has always been truthful with us and we are glad to have this insurance especially now that our dog is getting older and has a certain problem right now that is a long lasting one I think

Reasonable rates and quick processing of claims.

I have had ASPCA health Insurance for my cockapoo dog for the past year. They have reimbursed me for claims that I have sent in for various aliments . I have found them to be a great pet insurance provider, and would highly recommend them to others.

Plan period ran January 1-January 1. My dog was diagnosed with severe anemia in mid December. Initial testing showed no causation. They finally did a bone marrow aspiration in January which showed autoimmune disease. The expensive test was not covered because of a clause in the contract "coverage for any illness will not continue into the next plan period". Therefore, even though I paid about $900/year for their fancy Level 4 plan with $7000 in coverage, and my premiums automatically continued into the new plan year, they would not cover the bone marrow aspiration. They denied me before we even had a diagnosis. What good is any insurance plan if the possibility exists that they will only give you 2 weeks (as in my case), to clear up the problem? After many phone calls to customer service, they finally allowed me to purchase a "continuing care" add on, if I paid all of the premiums for 2015 and paid an additional $100 deductible. Did I mention I already paid $900 for the $7000 plan? What a deal. This company is terrible, and the public should know that they do these things. I wouldn't have a problem with a time limit on the duration of coverage for any given problem, but as long as the premiums are paid continually year after year, that time limit shouldn't be factored by the end of the plan period. It's the luck of the draw, and that's not fair.