ASPCA | Pet Insurance Review

The worst insurance ever uses tactics to deny claims. Charges me a $177 just about for one dog who only had some acute problems, like a bad ear infection and Arthritis of course, because she's getting older and a urinary tract infection. They're asking me for records from 3 years back. This dog hardly ever went to the vet. So I don't understand why I would be given such a hard time and charge. So much money to boot their customer service is terrible and they take long to process claims. And they're too expensive. Do not cover your dog under this insurance. Insurance i've had them for a while on my dog.And they don't want to pay me any money for her.What is the point of having it?If i'm paying all the bills.

Worst insurance ever. They don’t reimburse for anything. My dog was insured and I was told my coverage included end of life expenses but when I submitted the claim they said my policy didn’t cover it. It was bad enough that she passed and having your insurance deny reimbursement was a kick to the gut. Do yourself a favor and get any other insurance! Get Nationwide or Lemonade…. Anything but this company.

My dog suffered for many years and it was costing me a fortune, I decided to finally get pet insurance with ASPCA, and I've been with them for about 3yrs. In the beginning ASPCA was a real pain in the arse, they wanted documents of ALL of his medical records, problem was he had been to 3 different veterinary doctors, and this took some work. ASPCA kept denying claims based on pre-existing conditions, and admittedly they were pre-existing, their not stupid, but as time went on my dog developed more health problems, and I would pay the bill out of pocket, then submit a claim, it would take about a week but they would pay as much as 75%. Recently my dog passed away but not after several costly vet bills were incurred totaling around $4700, total for the year was around $8k, this included full bloodwork, urine culture, emergency doctor visits in the middle of the night, Xray's, Ultra sounds, everything the doctors could think of. I paid out of pocket and days later they reimbursed me about 65%. Insurance companies are in the business to make money and ASPCA is fair about how they conduct their business, they denied pre-existing conditions because they really were pre-existing, but when my dog had new health problems they held their end of the deal and paid out up to 75%. I highly recommend ASPCA.

One of my dogs ingested something and they refused to pay my bills they claimed it’s and illness not and accident. They don’t want to pay out claims. I would read all of the fine print before paying for the insurance.

My policy started on November 21. They told me my pet wasnt covered since that day in other words. I submitted a claim and that is what they told me. I know about law, etc. If a policy is paid it should start immediately after pay for it. There isnt waiting periods, etc. That is a lie. That is so wrong. Update: Read the answer they gave to me. Doesn’t make sense. If a insurance said that start on xy day then should cover that date. For that are the insurance. Insurance start the day u pay. As I said I know about laws and know how insurance works. I paid way before the November 21 but insurance started the 21. The period of 14 days doesnt make any difference. If I got Attended on the 21 and the insurance said 21 it should be COVERED. Wanna fight it in court? I have evidence it said started on the 21.