ASPCA | Pet Insurance Review

Submitting my dogs reimbursement claim was super easy and hassle free. The response time was good and the company reimbursed approximately.

Avoid! They refuse to pay anything for any reason. Everything done correctly. Dog was injured required surgery months after taking out insurance and they received an incorrect form from vet on the ESTIMATE piece. Not actual claim. All correct paperwork was submitted on claim and they denied basing off estimate. Appealed and never heard from them again. Going to have to sue.

I have to fax my vet bills in. I’ve had no problem getting reimbursed for them in a few days, except for the past month. I have to fax the invoices 2-3 times over 2-3 week periods before I get any response that they received my faxes. It is very frustrating and I have no idea what the hold up is. I called customer service and the person was totally unhelpful. If getting my reimbursement 3 weeks late is going to be an ongoing issue, please let me know. I have always over the past nearly 5 years been extremely satisfied with ASPCA, and have recommended it to several people. Thank you kindly for your time, Cynthia Campbell

ASPCA used to be slow in processing claims at times, but the coverage was good and the customer service intelligible and pleasant. Since June 2024, I have had poor service. I have been asked 2 and 3 times for copies of invoices provided with the original 2 claims for medicine refills. I had another claim that decided the problem was an incident and only warranted paying for 1 dose of a medical problem that needs a minimum of 3 spaced doses. If such coverage no longer is in the policy, it certainly wasn't made clear at policy renewal. It had been covered before. This presumably is the work of PTZ Insurance Agency hired by ASPCA to replace their previous service. When cost cutting becomes finding ways to not reimburse, it no longer is coverage. Also, customer service is less capable and have thick accents so hard to understand. They give advice that contradicts emails from the claims service. I have used ASPC for a few years for various pets. But this more recent experience leaves me concerned and very dissatisfied!

I have been with ASPCA for 14 years. The Customer Service Reps have always been professional. Sadly I had to euthanize my cat. The Rep I spoke with was compassionate. I definitely will stay with ASPCA if we get another cat.