ASPCA | Pet Insurance Review

Even though they HAVE made small payouts, after reaching the deductible, a 20% increase on a 3-year old mutt, is outrageous! Not that they give a hoot, when you call for an explanation. Just a "we don't usually do that, but...." Yeah, okay. And when we did need a reimbursement, we had to ask for it, repeatedly. One time they told me, it was because the vet wasn't responding; then you contact your vet, who forwards you THEIR response, that was returned to. aspca within 24 hours, of their request. So I got in touch with my vet, to ask how much their average prices had increased, over the past three years. It was a bit harder to get a true picture, but "it definitely isn't. 20%." I understand it's a business, but why be so greedy? If I upped my prices, I'm fairly certain my customers would be irate. Just curious if they did these increases across the board, like CS told me, they did? So now we're shopping for new insurance, possibly lifetime, as I thought it'd be with aspca. I dont like the thought of writing negative reviews. I mainly wanna know, if anyone else is dealing with this?

Super easy, great coverage

Very expensive, but usually worth the expensive. i've got four dogs and prior to this, two dogs. All dogs insured. However, this is the most money I've paid to insure dogs and I know there are companies that charge less for pretty similar coverage.

I had to take my cat on a routine procedure as he had gengivites, which was covered under the insurance, and had no reason to to be denied. Not only was it denied but the process took far too long, 2 months when it was supposed to be two weeks. It was clear ASPCA was just playing typical insurance game scams to delay than deny on whatever reason they decide to make up. I’ve paid for two pets faithfully over a year now and when I needed them for a routine procedure, I had to pay out of pocket with a denied claim that met the qualifications. I guess when they spend 2 months on a pending claim it’s because they are looking for whatever reason they can to deny a claim. Had I just saved the money and not subscribed to aspca, it would have covered the cost of the operation, so now I just paid twice. They are clearly another insurance scam to avoid at all costs! I guess someone has to pay for all those late night adds on TV, unfortunately it’s the customer. Do not trust this company. (Edit...) Aspca replied saying as long as it was not preexisting it would be covered. I asked my vet before submitting anything if there was any preexisting history of this and they said no, but my claim was denied because it was “pre-existing.” So it is clear they have made up the fact it was pre-existing.

I wrote a huge glowing review, many paragraphs, and personal details that I wanted to share , but just as I was posting my battery ran out. So I dont know if my review got accepted or not. I'm not going to rewrite it, but I will encapsulate my points. ASPCA met their agreements I contracted with them. ASPCA has a very user friendly website that even I, a not tech savvy person,Could easily use to file my claim. ASPCA processed my claim and approved my claim in exactly 30 days, and two days later the money was direct deposited in my bank account. I actually feel that when I contacted ASPCA that they care about me and my sick dog. I feel you can trust this company to cover their agreements with you. I have recommended them to two other pet owners I know personally. I did my homework and research before choosing ASPCA. I believe I chose wisely, and so far nothing has changed my mind.