ASPCA | Pet Insurance Review

Cheap pet insurance that I'm very excited to have for my two kitties! Less than 30 dollars a month for both! My main complaint is the 14-day waiting period after you pay for coverage. My coverage says it began on April 14th, but I didn't realize that there was a waiting period before coverage ACTUALLY began. It might be my fault for not realizing it sooner, but I couldn't find any info on it until I went to submit the claim. My cat's policy is listed as active with coverage beginning April 14th. One of my cats got sick and had to go to the vet on the 26th, but surprise! I'm not actually covered until April 28th. So better hope one of your pets doesn't get sick during those two weeks or you'll be out $450 on a vet bill and it won't even apply to your deductible. When I called to ask a representative about this, I was told that because he got sick during the waiting period, it's considered a "pre-existing condition" even though it is not actually. Very disappointed, so hopefully this comes in handy later.

They cancelled my policy that I had for 12 years because it will be "not available in my state" How convenient! Now they offered me a new one, basically THE SAME COVERAGE, but triple the price! The new one will cover specialty food. When I sent the first claim, they told me they wont cover it because it was a "pre existing condition" Even when my dog was insured with them with NO GAP. The most deceptive company I've ever seen.

I have had ASPCA insurance on my 2 rescues a couple years now. My experience has been that it is best to ask your Vet for Soap notes and medical records to submit with the invoice claim you file for a better outcome. I have had most claims paid and the company is reasonable just lacking communication between customer service and claim reps as I had to keep calling to get information updated. This seems to be a recent issue as it didn’t occur when I first purchased my insurance plans. I like the direct deposit option for reimbursement which expected the process a bit.

My 5 year old chocolate lab Lucy had TPLO surgery after a cruciate tear to her knee. I have had the accident only policy for about 5 years. My policy has a $250.00 reducible and 90% pay. The claim was easy to file online and they were easy to speak to by phone. My claim was processed very quickly and I had my reimbursement in about 5 days after filing it. I am so glad I had this coverage and am very happy with this company.

I have full coverage on my cat which includes preventative. I have been disapppointed in the reimbursement. She has had teeth removed two times that were infected and they said this is pre existing condition. Therefore, only a portion of her bill was reimbursed. Out of $1200 for the last extraction done, I was only reimbursed $235. Since I have full coverage on my cat I don't understand how an infected tooth is pre existing. I really can't change insurance companies at this point because she is now 7 years old. I signed her up as a kitten so it would be more expensive if I changed.