ASPCA | Pet Insurance Review

I like they are responsive when claims are submitted however I don’t like that doctor visits aren’t covered even though I got the preventative care included! Every time we go to the Vet, we pay over $125-150 and the insurance only pays $20 lol

My cat Lucy 10 yrs old had to have emergency surgery to remove her right eye on 8/13/24. After being told the surgery needed to be done immediately I called ASPCA pet insurance at 4:00 that afternoon. Having read the claim form there is a place you can check "to pay the vet". That meant to me ASPCA would do a pre-certification. While speaking to an agent named "Bunny" I was told how to fill out the claim form and send an estimate from the vet to an email address. After waiting for three hours I called back only to be told by a supervisor that pre-certifications cannot be approved after 5:00 pm!! It was now 7:00!! Finally after three hours of crying the Vet offered me a payment plan if I put down $1000 which I did. I called today 8/26/24 to followup on the claim. I stated I had final actual numbers to report. Spoke to Michael and after a very long conversation he said he would cancel the old claim and I should start a new one. I went to my online account and saw that the claim had been denied due to a pre-existing condition. It was not the old condition of the eye that caused the need for removal it was an accident to the cornea! What I cannot understand is why I was not told of the decision not to process the claim AND being told to submit new documents when the claim was DONE!! Needless to say I will never buy pet insurance again I will save that money to pay for future care for Lucy!!

I had a shaky start with ASPCA insurance only because I didn't understand what kind of insurance I got for my rescued, huge-breed dog. I almost canceled it, and THANK GOD I DIDN'T! My under 2-year-old Sarplaninac pup got Anaplasmosis, worse than Lyme disease. She has needed Emergency care, tons of medication, X-rays, Therapy, etc. All of which cost a lot. ASPCA has paid on every single claim. Even for just medication refills. They question none of her care and allow me to give her the best possible medical treatment and not worry about any cost restrictions. They have saved her life. HIGHLY RECOMMEND. I will never be without it.

Super quick turn around. Easy to submit, great support from staff. Very impressed

Just very quick and painless