ASPCA | Pet Insurance Review

I just signed up with ASPCA pet insurance, it was recommended by my friend in Cleveland, OH. I am in New York, and just submitted my first claim. I will keep you posted on how that turned out. I had researched VPI as well...so, we will see if I made the correct decision with ASPCA.

I adopted my puppy 13 days ago and decided on the third day to apply for ASPCA insurance after the vet said they are great to work with. I could not believe how much they cover for only $88 a month! The lady who activated my policy, the man who made sure I had the correct vet listed & Shelly, the customer service follow-up person were all amazing!! They listened to me, addressed all my questions and concerns & even chatted with me about my puppy questions, which as a first-time dog owner, I have many. In walking my puppy, I have met other dog owners and none of them have pet insurance but when they heard the price and coverage, they wish they had gotten it before their dog had diabetes or other expensive, nerve-wracking illnesses. ASPCA is a small enough company that workers know each other, know your pet, and know you! So I pay my vet and then submit the claim to them and a month later am reimbursed 80%. I can see any vet and the preventative coverage is so wonderful, I know my dog will be well-taken care of and I will do a better job getting her to the vet so I can get my money's worth :)

I am truly upset and frustrated with this company. I hate the 30 day wait period! Not only that if you submit a claim with several charges, they do not question the individual claims they will deny it all together. The wait time on the phone is longer than it should be. The 80% reimbursement is only on the allowed amount they feel should be charged. For instance is a vaccine is $20 but they feel it should only be $10, they will reimburse 80% of the $10.

We had just purchased pet insurance, and had it for sometime when our rambunctious little dog Trixie stepped on a fox tail while chasing a bunny at her favorite park. what cost us close to $300 ended up costing about $100 plus dollars. And that was at an emergency clinic, which we all know can be very expensive. we are so glad we had ASPCA pet insurance. And so is Trixie, still chasing bunnies, but not in that fox tail infested field anymore.

Ive had insurance for a number of years, maybe 7 or something. At the beginning I was reimbursed for at least some portion of nearly every bill. seems the reimbursements are far fewer these days. Its not a user friendly system, in terms of knowing what is/isnt covered. but i keep buying it, in case something major happens.