ASPCA | Pet Insurance Review

I have have a level 3 plan my dog has a heart problem so far every medication was denied my dog had to go back for a recheck at the cardiologist it was denied again . What’s the point of having insurance?

This is a really helpful and easy to use pet insurance. I am thankful I have it.

I have never had any issues getting claims reviewed and paid in a timely manner. The coverage is very comprehensive and they honor the terms and provisions of the policy. Cost is a bit steep but I have a older cat, relatively healthy, but who needs more than average vet visits. I would like to see a discount for longevity and loyalty. Overall, very satisfied with ASPCA.

There aren't enough words to describe how devastated and upset I am with the treatment my 7-month-old puppy received at this clinic. Because of the care she received here, she is now fighting for her life at another veterinary hospital with a severe infection. We first contacted Waverly when we noticed a hard mass developing on the side of our puppy's face and neck. They agreed to see her, but instead of allowing us to meet with the veterinarian, we were instructed to drop her off and pick her up later. We never had the opportunity to speak with the vet directly. We were told through the front desk staff that it was an infected lymph node, so we followed their instructions and treated her with antibiotics for a week. Instead of improving, the mass continued to grow and her condition worsened. When we called back, we were again told to drop her off without seeing the veterinarian ourselves. After that visit, we were informed through the front desk that she needed emergency surgery. The surgery was scheduled three days later. We did not receive any update from the veterinarian until around 7:00 p.m., even though the clinic had closed at 5:00 p.m. We were told she had a difficult surgery and needed to stay overnight. We asked whether there would be overnight staff monitoring her after such a major procedure. The veterinarian told us there was no overnight staff and commented that we wouldn't be able to afford that level of care anyway. We trusted his judgment and agreed to pick her up the next morning. Our 7-month-old puppy was left alone in a crate for approximately 13 hours immediately after surgery. Over the following week, she continued to decline. Her incision became swollen, filled with fluid, and clearly wasn't healing properly. When we called the clinic for help, the front desk informed us that we were banned from returning and that the veterinarian would no longer see us. We were given no explanation. Two days later, we took her to another veterinary hospital for a second opinion. We were told that the surgery she underwent was unnecessary because the mass was actually a salivary mucocele, which they believed could have been treated much less invasively. She developed a severe infection and has now spent the last four days in the ICU fighting for her life. Our experience has been heartbreaking. Based on what happened to our puppy, I cannot recommend this clinic. No family should have to watch their young, healthy puppy suffer like this. Do not see James Galvin, I hope the board revokes his license here soon.

Purchased ASPCA Pet Health Insurance (underwritten by Independence American Insurance Company, administered by PTZ Insurance Agency) for my adopted Boxer puppy in March 2026. Annual premium: $1,366. I spent an additional $2173 in care. Total reimbursed in four months: $350. A heart murmur was noted at her first wellness visit, 8 days into the policy's 14-day waiting period. The resulting echocardiogram ($620) was denied under a waiting period exclusion. Her veterinarian submitted a letter stating the murmur is clinically consistent with a congenital condition. Formal appeal denied. The policy language explicitly includes congenital conditions in its definitions of covered conditions, but the claim structure makes it functionally impossible for any congenital condition to ever be paid: it will either fall inside the waiting period or predate the policy. I filed a complaint with the Massachusetts Division of Insurance. Boxers are a breed with well-documented cardiac and other hereditary health risks. A policy that includes congenital conditions in its language but excludes them in practice is not appropriate coverage for this breed. I would not recommend this policy for any breed with known hereditary health concerns. And given the amount they actually reimbursed relative to what I paid for the premium and for the puppy's vet care, I don't recommend this pet insurance to anyone.