ASPCA | Pet Insurance Review

My healthy dog was denied any reimbursement for her annual check up and meds (flea and tick and heart worm) prescribed by the vet. Also, her one time only emergency hospital visit bill took 2 months to be reviewed and the reimbursement was approx. 55% even though the total was less than the single visit limit. The annual premium sounds reasonable but I will not renew due to the low level of reimbursement. Was warned that this was not the best plan but it seemed simple and legit. Not saying that it is not simple or legit, just that it leaves the owner with a much larger liability than anticipated.

I have not had this insurance for the last 2 yrs...BUT i had it for more then 7 years prior to this. I paid my premiums and never had to file claims for the first few years...when i started making claims they were HORRIBLE. I am a reasonable person...i knew (which was ridiculous) that when the new policy renews yearly whatever you treated the previous year would not be covered again because it now becomes preexisting. That being said...my policy period started march 1st. On the 22nd of march that year my cat was diagnosed with stomach cancer..the Insurance company said that even though we didn't know about the cancer...it was there prior to the policy renewal of march 1st and there fore they weren't covering it.. .Technically i should have been covered for that entire year for this illness till the following policy period but they didn't want to pay anything. Needless to say i sued them. They called me the night before the court date and told me i had to prove the cancer wasn't there before march 1st...i told them as i laughed...i'm suing you...you have to prove it was and i have 2 vets that are the practice owners stating there were no clinical signs and we did not know prior to march 1st. Lets just say i won the case without a problem. NEXT..this insurance company pays "reasonable cost" they go to a town with a population of 10 and that's where they get their reasonable cost from. I would like to know where they got the prices they paid me for some of the vet bi

I have had my boy Bocce for two years. I have had other pets before, but have never had pet insurance. When I purchased the insurance, I had hoped that I would never have to use it, just a way to have peace of mind. However, Bocce has had numerous medical issues related to a defficient immune system. The latest issue is inflammatory bowel disease. Bocce is a large bullmastiff, so his medical bills tend to be higher than a small dog. Each time I file a claim, I am hesitant because I don't think it will be covered. I have never been disappointed. I am mindful of what I turn in, and much of the expense I incurr on my own. I always think "they are going to turn me away." The people at ASPCA truly care about pets! This coverage has allowed me to keep my pet, and to keep him healthy. He is my family, and here at ASPCA, he is treated that way. I don't even want to think about how I would have been able to provide my boy the care he needs without you. THANK YOU ASPCA!

I am a little conflicted with this insurance company. I agree with a lot of the other reviews on a couple of points. They do not really follow up. I had a claim pending and I called ASPCA and they said they were needing more info from the vet. I called the vet and they told me that they had sent all the required info in, and that they have not received any phone calls asking for anything....bottom line, you have to do all the work to make sure your claim is being handled.Secondly, I agree with the pre-existing issue. I think they are way to strict in regard to this, and like the other review says, check the fine print! Other than that, they are a little slow in getting me my money. I have a boxer with cancer and he has to go every week for chemo, so my bills are really piling up. It would be nice if they could work a little harder, and faster in the reimbursement phase. I do think that having insurance is the way to go, and in the end, ASPCA is probably one of the best. I am glad I have it, and would recommend it.

When I adopted an 8 year old dog earlier this year, my daughter advised me of ASPCA insurance that she had on her new cat. After I compared rates and other plans I purchased this insurance which already has saved me hundreds of dollars. I had unexpected medical claims for my dog which ASPCA handled in a timely and efficient manner. My experience has been positive with my coverage and I will renew this insurance and recommend it to others. I can sleep well knowing that if any unexpected issue happens to my pet I can afford to take care of major issues.