ASPCA | Pet Insurance Review

Getting my insurance reimbursement was extremely fast and easy. From the time my vet submitted the forms until the time I received payment in my bank account, it took less than 2 weeks. Very impressed and definitely glad I signed up for insurance with ASPCA.

Stay away. You'd be better off putting money in a mayonnaise jar in the backyard every month. At least you'd have a way to pay the vet bills.We had been customers for several years and never made a claim. When we really needed it, their deceptive and sleazy renewal policy did not pay. Our dog developed glaucoma in one eye. The eye needed to be removed because of the severity. Our regular vet referred us to a specialist. The vet suspected valley fever had attacked the eye and wanted to run tests to make sure our dog was healthy enough for the surgery. This meant a two week delay between diagnosis and surgery. Those two weeks took us into a new month and therefore a new policy. ASPCA refused to cover the surgery because the illness manifested before the new policy. They do not consider your payment as a continuation of the policy, but a new policy. It's like you have purchased the policy for the first time. You can buy extra "bridge" coverage for the policy to be treated as a continuation. This of course is not stated up front. Every insurance agent I have talked to about this has been horrified that this insurance operates like this.

Very satisfied with ASPCA payments on claims. Done in a timely manner representatives helpful and polite

We are now ASPCA Pet insurance members for just about 2 years. Our other insurance refused to cover a $2600 knee surgery for our dog and we immediately switched to ASPCA. Our dog Chloe had a growth on her leg and we removed it as well as getting her teeth cleaned in 1 visit. ASPCA covered 80% of the total bill and we were pleased with the updating, the explanation of the bill/covered benefits and ease of placing claim.

I've had ASPCA insurance for over 4 years now but just had to submit my first claim. The process was very smooth - I did make sure to get all records from my vet throughout the incident so including them may have made the process even smoother. The claim was processed quickly and I received my reimbursement with no issues. The only slight downside was that I wasn't fully reimbursed for what I anticipated - my vet charges slightly higher rates and they use a local average for what they will cover. Not a huge issue for me though - I'm happy to at least have the peace of mind this insurance provides me!