ASPCA | Pet Insurance Review

I have had this insurance for my pup for 6 years. I have put in only two claims. One last year after his annual physical for $217. My reimbursement was $70. This year after his physical and needed vaccines and lab work. The bill was $342. When I submitted my claim, they asked for his health records for the past six years. Why???? After receiving the records, they had the nerve to reimburse me $70 again. Why do I have this insurance for. I can just open an account for my pup, put the current monthly premium ($1,448) in that account and use it for his health care., this makes more sense than giving them my money. I choose ASPCA, because I thought they would be more reliable, I guess when it comes to money no body is.

I had some problems logging on to your website and a totally charming anf helpful person helped me to do it successfully.

After procuring this insurance for my 10 month old dog and waiting the initial 14 days before taking him into the vet (because after reading reviews, taking him sooner might result in a denial of my claim, even though I’m paying for it!). I submitted the claim for the vet visit (we purchased this insurance so that we can afford to have a dog and be able to give him the necessary care he needs). They wanted his medical records for the last YEAR (he’s 10 months old! And I’m sure the first two months before I even got him he wasn’t taken to a vet to begin with). I got the vet records from who else… the ASPCA where we took him to get him neutered where I’ve been a member for years! And my claim was denied because they didn’t get the records for the full year!!! All that’s going to happen is their team is going to reply with “ We are sending this over to our team for review now. In the meantime, please give us a call at 1-866-204-6764 so we may discuss your account in greater detail.” which is not satisfactory when you are STEALING my money! I can’t even find where to cancel this thieving policy and now I’m cancelling my ASPCA membership as well. I’m going to find a company that puts pets and their people before their greed!

Happy with the insurance but every year there is an increase and sometimes a dramatic one which makes it unaffordable

This is only a review for an initial accounting. I have not made any claims yet. The process of looking for a plan was pretty grueling but I settled for ASPCA based on price, offerings, and reviews. Their member website seems very intuitive. I received a paper copy of the contract and their electronic communication is good. I have not used customer service so cannot talk to it. The problem with any type of health insurance is the increase in costs for your dog as it ages. You should note that if you try to buy any pet insurance they will be looking at your pet's record for pre-existing conditions or symptoms. It will not be covered as per your contract until they are free and clear of ANY symptoms listed previously to getting insurance. I settled on a lower premium and am going to match it to savings.