ASPCA | Pet Insurance Review

Although discounts are usually make off of the charges I submit, being in NYC the charges are almost always higher than the Company's reasonable and customary charges; however, even with the discounts, the premiums are lower than most other plans, so I guess it balances out in the end. The biggest objection is the max one year following coverage in the prior year, and after than, there's no coverage for the same illenss (unless 18 mo. has gone by without any treatment. The folks are always pleasant.

I've been completely pleased with my pet insurance. The claims are easily completed, the payment is prompt. My two cats are important to me, as is my own peace of mind.

3 years ago our dog had begun to lick and chew on her tail. We eventually had to have it amputated. This claim was covered by ASPCA. It took several months to receive a check. The claim was $950 and ASPCA gave us $400 back- not so bad. After her surgery she healed and was fine for over a year. 2 year later she began to chew on the tail again. We battled with this second issue for over a year. The doctors didn't want to amputate it again and instead kept prescribing medicines to help with nerve pain. Our dog finally became so fixated on her tail at one point that we took her to the ER vet and they proceeded with amputating her tail a second time. Our claim ended up reaching over $4000 for the year+ that we spent taking our dog to the vet and for the surgery. ASPCA looked at the claim as a pre-existing condition and denied the claim. In their policy they state that 180 days constitutes as a waiting period in between injuries, however, they kept suggesting that our dog was never "cured and clear" of the injury. They hold all of our medical records directly from the doctor that show no indication of our dog being seen for anything other then a regular check up. I put in an appeal for the claim and received a letter with new excuses for denial. One, being that the claim was not submitted in a reasonable amount of time since the start of the incident. If we were battling the incident for over a year, then what do they expect? We submitted the claim immediately

I have had ASPCA for 4 yrs now and though I have had few incidents, I really wish it covered more because on those few incidents I had - ASPCA didn't cover as much as I would have needed. Beyond all that, ASPCA is very easy to use, file claims, and has great customer service. It's reasonably priced. The customer service is really good and everyone is knowledgable and pleasant on the phone.

I have had a great experience with ASPCA insurance - it's definitely worth the investment for the peace of mind. However, I do with they covered a higher percentage of costs. I live in a city where vet bills are higher than the national average, and many times my statements come back with discounted benefits because the cost is too high for the procedure. Although they advertise that they cover up to 90% of vet bills, our experience is that they cover 30-50%.