ASPCA | Pet Insurance Review

I feel secure in knowing when Max needs to visit the vet for an illness or in an emergency most of the bills will be covered. And paperwork has gotten easier over the past few years

We are very pleased to have insured our beloved yellow labrador retriever with ASPCA. Through the past two years we have had very pleasant dealings when we submitted claims. I can honestly say this is completely worth the costs in quality of service and results.

We have a 14 year-old Jack Russell Terrier who sustained an eye injury. Unfortunately, he ended up having emergency surgery to remove the eye and it was costly. I submitted the claims to ASPCA and they paid over half of the bill in a timely manner. We have used this insurance over the years and have never had claim issues. I recommend this insurance to all of my friends and I will continue to buy it for all of my pets. I've compared them to others and they always come out on top!

STAY AWAY FROM THIS COMPANY! I also wish there were no stars as an option because I would never use the company again. I received the original information from them in the mail and thought, " It's the ASPCA, so they must have a great affiliation with them insurance company." I really trusted them and signed all four of my dogs up. After years of simple shots and check-ups the time came last month when my Irish Setter was throwing up and not eating. I took her to my vet and we had to take x-rays and blood tests. I started to send in claims for her and started to notice a pattern. The company uses what they call, "Usual and Customary costs for expenses incurred during the Policy Period." They only paid out about 50%, not 80% of the claims since they said my claims were much higher than others in my area. When I asked what that meant, they said they will only pay on what they think are "reasonable" charges". in other words, they get to decide how much your claim is first, THEN, they pay out 80% of that. This is a scam. When I asked how they figure out what is the "reasonable and customary" at first they told me it was based on an average for my area, then they backtracked when I said there was only one vet in my area. My regular vet wasn't able to figure out my dogs problem and recommended I take her to Southern Cal. Vet. Specialty Hosp. which is the only type of hospital of it's kind in Southern California. This was going to be my test to see if they would pay

Both of my pugs have had problems over the years. The breed tends to have a lot of issues, but these guys are rescues with an unknown past up until I adopted/rescued them. Having pet insurance has made it easier to take care of their needs, which will only increase as they get older. The oldest pug has skin issues, as well as arthritis and stomach problems. The younger one has been pretty health in the past year, but accidents do happen. I can rest assured that if something goes wrong, I can submit my claims and get a good chunk of the money back.