ASPCA | Pet Insurance Review

My dog, Apollo, got a spider bite between the pads of his foot. Luckily we were able to be seen the next day by his normal vet, but the lump had doubled in size. We treated it several times over the course of about 6 weeks, and it finally started to go away. I scanned all the invoices from my vet, uploaded them all to one claim, and submitted it. About a month later, maybe less, I received the reimbursement directly into my checking account! Having pet insurance isn't something one thinks of as super necessary, but in my experience, I'd rather have it and not use it than need it and not have it... especially when it comes to caring for my fur children.

We have been very thankful for this insurance. We have one 13-year-old Shih Tzu, and a two-year-old golden. Our golden was in an accident last year and our Shih Tzu became very ill this year. It was very emotional . The plan and the customer service is outstanding. The website is very easy to file claims. The length of time for reimbursement has been very quick. In addition there has been follow-up calls just checking in on how our fur babies are doing. Would highly recommend this insurance.

Process for payment and reimbursement is clear, easy, and sufficiently quick. Coverage is clearly documented and easily located on the website. Whenever I have needed to speak w/someone directly. Customer service has been very good.

My pets just don’t go to the vet often enough for me to be paying $780 a year for one damn dog. When I called to cancel I was immediately judged for canceling. I went with care credit because at least I know everything will be covered and I won’t have to pay it back RIGHT away. I was judged for my decision and their niceness changed so quick. Fuck this company and it’s rude employees.

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.