ASPCA | Pet Insurance Review

I’m writing to all future and existing customers to make them aware of the way this company runs. Be aware that if your pet gets sick, the insurance company can easily deny coverage based on lab work performed previously. There are many customer with the same complaint or even worse, just read the reviews with 1 or 2 stars. They will simply deny any coverage if your pet had elevated numbers in previous lab work and label it as preexisting condition. All this time I thought this company would be a peace of mind to us when you need them the most. But I was wrong and they just took all the money I’ve paid for about 3 years. I never used their benefits because my cat has been healthy for about 14 years. Now my cat has been unwell, she lacks of appetite and has weigh loss. I took her to the vet, they did a completely lab work and the doctor said that her kidneys are failing. The doctor suggested three days of IV fluids in the hospital to help her with the toxins in the blood. I called ASPCA to have an authorization to proceed with the IV therapy, and they simply said that they won’t cover it because this is related to a lab work she had 2 years ago. Now, not even the future care is not going to be cover but the also the tests and visit performed yesterday. My cat was never diagnosed with any disease before now, but the insurance support their denial based on the lab work she had two years ago. They just let me paid the premiums all this time but never notified me or letting me know that due to those test results my cat was never going to be cover. Now after paying more than $600 in premiums for the “Illnesses and Accident” coverage and another $500 for yesterday’s visit, they keep telling me that the latest test and vet visit won’t be covered because it is related to the tests two years ago. Now if my cat passes away, the euthanasia and the cremation won’t be covers because according to the insurance the visit and lab work is related to the tests performed 2 years ago and those charges won’t satisfy the deductible. I’ve talked to them several times and they simply don’t care. I wish I knew about they way they do business. This is simply not fair to my family and any one with a beloved pet.

Honestly, I love them so much. I don’t know what I would do without ASPCE insurance. I had two furry ones pass away the past two years and knowing that I’m doing everything I can for my last fur baby makes me so happy. I think their prices are so reasonable and their customer service is on point. I would say the only reason why I don’t give a full 5 star review its because claims do take a bit to process. 2-4 weeks and most of the time they need medical records from your vet which makes the process take longer. However, I haven’t had any problems with claims. Everything I have submitted has been approved and reimbursed without much trouble.

We recently submitted a claim for our pet dog that would've been a large out of pocket expense had we not had pet insurance. The claim process was easy and ASPCA pet insurance was quick to process.

Easy claim submission, reply and reimbursement. Followup call from carrier to insure satisfaction. Great experience.

I have ASPCA for my 3 dogs for several years already ; I selected the premium myself the first time and then a customer services Rep helped me to select a better plan. Since then, everything have been so easy; the Reps are always helpful, caring and informative I do have the App which make to submit the claims a breeze . Am so satisfied w ASPCA that I recommend it to all my friends with furry children