ASPCA | Pet Insurance Review

While playing with another dog, she caught her paw in a wire fence at a park and broke 3 bones in left front foot. It took a long time to heal. There were several visits to the Vet.Not very happy with the Vet but the insurance had no questions on any of our claims.

Hi, I brought my dog into the vet to have a tumor removed because it was possibly malignant and to check his blood work for a reason to his weight loss. After the surgery the test were done thew total was in excess of $200.I filed the claim with ASPCA as I have been a client for over 6 years. I received a check for $9.60 .after I met the $100.00 deductable. Wow! what a great support system (not). The answer I received was if the dog had cancer then they would have payed for the lab test and the surgery. I will be getting another insurance not this one!

SHAME ON ASPCA!!! Every Claim was sent back with a NO. You have to call and argue for them to cover anything. They hide behind waiting periods as a way to deny claims. When you really need them they will not be there for you or your pet. Save your money, you will wind up paying for everything out of pocket anyway if you go with them. They are the WORST!

I had to get many tests to find out why my cat, Muffin, was losing weight including an ultrasound and liver biopsy. Without insurance I might have not been able to do all of this. Her weight has stabilized for now.

We have had three cats covered by the ASPCA Pet Insurance plan since 2008. In general the plan has provided the type of insurance support advertised. Most years we had no claims or claims less than the cost of purchasing the insurance. However in 2013 we have had a major challenge with the insurance plan. We submitted an insurance claim for a $2,500 procedure and it was denied because we had crossed 11 days into a new coverage year and because the pet’s illness had begun earlier it was now considered a “pre-existing condition”. After discussing on the phone with the ASPCA Pet Insurance claims individual and the supervisor, who were professional in their interactions, their answer was still to deny the claim. Even though we have been continuously covered for 5 years for all three cats and had not submitted any claims for the earlier veterinary assessments and felt that there was a change in diagnosis prompting the major assessment, it was considered “pre-existing”. In fact, no matter what the diagnosis or how slow the progression of a disease if the ASPCA can prove that at any time (even a day) earlier in the previous covered year there was any indication of illness then its “pre-existing” and not covered. Anyone signing up for ASPCA Pet Insurance should be fully aware that if their pet becomes ill at any point in a covered year and they do not fully resolve the illness in that year they will not be covered when the new policy year begins, no matter the reasoning. We obvious