ASPCA | Pet Insurance Review

ASPCA = Horrible insurance! I had to keep this insurance for a few years since my dog developed skin issues after i enrolled him. ASPCA tells you that they pay 80% but forget to mention that is 80% of their pre-calculated costs. For example: I was charged with $60 a vet visit - they are paying you 80% our of $40 only. Another example would be a CBC (blood work) test that costs %191.00 they pay back 80% out of $136.35 (their limit). Luckily since my dog was getting older I decided to get a secondary and tertiary insurance – PetPlan and Trupanion. Let’s not even talk about exclusions code – everything is excluded!!! 3 weeks ago they paid me $20 out of $60 for Baytril and after getting a refill 2 weeks later when they decided that now it was for a different condition and they denied it – REALLY???? You try calling them and talk with them rationally - all what they can tell you is reading from a piece of paper “you exceeded you limit for this condition”. In May we discovered a tumor in my doggy’s spleen. We had the surgery and started him on alternative medicine treatments as homeopathic, holistic and o-zone therapy to not let the cancer come back. I AM SO GRATEFUL I got PetPlan!!! They cover 90% of the actual VET BILL as well as homeopathic, holistic, EVERYTHING!!! It is amazing to see that I am getting my money back. It may take them a bit longer than ASPCA to complete the claims but hey I rather wait an additional week and get my money back. I cannot say much about Trupani

Toby, our collie mix, is a rescue who came to us at @ 5 years of age. We hav eno idea what his life was like before us but he has had stomach issues and skin problems since we got him. He has visited the vet on several occasions over the past 4 years for these problems and our insurance has been great -- prompt and always very nice and helpful representatives. We are happy to have this coverage.

I have been so happy with ASPCA insurance. My dog had an ACL operation and had a tumor removed within months of each other. ASPCA covered almost 90% of all costs. Claims are taken care of quickly and the staff is so nice and helpful. I could not be happier. I would recommend them to anyone who asks.

After a happy healthy first 2 years, my dog Daisy had two unrelated health issues in the space of a few Weeks. ASPCA processed both claims quickly and without any hassle. Very pleased with the system.

We have been satisfied generally however my dog has been insured with them since birth and the premium keeps going up each year. Also my vet charges are always way more than what they think is customary and reasonable.