ASPCA | Pet Insurance Review

Have never had pet insurance but my brother has. My dogs have always been healthy etc. But a new one who is awesome but not graceful left me feeling pet ins. Is a good idea. Picked aspca for multiple reasons. Sure enough months after I got ins. The dog blew out her knee. Took to vet they recommended surgery had it done. Filed estimate before surgery 10 days out. Could not get an answer. Day after surgery denied. Turns out the vet had put a single line on paperwork with an error. Talked to Aspca and the supervisor said well you didn't actually file a claim yet so do that with corrected paperwork. Denied again. They give no reason. You have to call and berate the people to give you the reason. 2 agents before the supervisor said they could not anything that supported the denied claim just that it was denied. I am giving them one more opportunity to correct before I hire an attorney. They think the payout on the surgery was decent, they will be paying a lot more when I'm done.

Great experience the app is so easy to post claims. Overall best insurance policy for my fur baby

Terrible. My dog just had a terrible accident that required TPLO surgery but they are denying based on “pre existing conditions” that don’t exist. They also don’t make appeal information available. I’m usually very reasonable but this is fraud. Responding to the response below - why would I waste my time? ASPCA you have my number. I'm available if you are going to rectify the situation. thanks.

Had 2 claims processed quickly and efficiently! Very, very happy with ASPCA Pet Insurance!

I have their horse insurance. They’re AWFUL. July 2023 I had to take my horse to a university hospital after our mobile vet was unable to determine the cause of my horse’s intermittent lameness. In the report from the university, it was only NOTED that navicular was SUSPECTED AND RULED OUT. Because they CLEARLY use a system that only flags for key words, I appealed their refusal to cover my horse’s vet bills. HE BRUISED HIS HEELS IT WAS PROVEN IT WAS NOT NAVICULAR!! I got NO RESPONSE from these id1ots but they raised my rate $20 for the next cycle 🤬 this is absolutely a waste of my money.