ASPCA | Pet Insurance Review

I have 3 horses I took to the vet for their yearly vaccines, tooth float etc. Aspca promises to refund part of this once a year and has been great in the past. This year they quickly refunded 2 but decided they needed 2 years of dr. notes for the 3rd. I'm assuming this is because I actually had an injury claim for this horse in 2024. My only injury claim the whole time I've had this policy. I uploaded all the receipts and notes I had. They want more from the vet and are closing my yearly check up reimbursement claim in 3 days if they don't receive anything from the vet. My vet is very busy and I doubt they will get anything in on time. This is a $175 claim that they tout as part of their package. It has nothing to do with any injuries. I feel like this is harassment. Buyer beware.

They have doubled my monthly premium in the last two years without me ever having filed a claim.

I have this insurance for one pet and it already paid for itself!

Stay away from ASPCA Pet Insurance, you will end up paying $97 usd a month for a long time ans when it comes time for claims to be paid they will find every excuse to not pay you. Enroll at your own risk, don’t say you were not forewarned how ASPCA Pet Insurance functions! I’ve paid almost $100 a month for over a year, just had my dog visit a vet for the first time for $177 and they said only $70 was allowed. You do the math, win win for the insurance middlemen and we don’t get reimbursed. Just cancelled AND will never go back to ASPCA.

Quick processing of claims. Good coverage for my Wheaten Terrier who cannot digest proteins and reasonable turnaround time for claims.