ASPCA | Pet Insurance Review

I have had ASPCA pet health insurance since my dog, Buddy, was a puppy. He is now 13 years old and I have been extremely satisfied with the service and care provided. The claim submission process is fast and easy and claims are settled and paid immediately. If this were not enough, an ASPCA customer service officer calls after completion of my claims to see how Buddy is doing. This is always reassuring to me that I've chosen the right company. As insurance premiums have increased with Buddy's age, I have done some price comparisons for pet insurance but I've found the costs of other insurance companies to be comparable or higher for the same services. I plan to stay with ASPCA.

I'm about $2,600 deep in vet bills and have had my puppy for 12 weeks now. We have the complete coverage plan, and they've denied just about every claim - even pink eye, stating it was a preexisting condition. The claims take about 3 weeks to process, so if you're expecting to be reimbursed before having to pay your credit card bill - forget it. When they are finally processed, the explanation of why they denied your claim is sparse and the customer service folks don't have all the information to explain to you why your claim was denied, because they're disconnected from the folks doing the processing. If you decide to make an appeal, I was informed it will take 30 days to even review it. There's no information (that I can find) on what information they're looking for in an appeal, so it's up to you to write your own document hoping they'll cover the treatment you expected. Dealing with this company has been sickening, and just an added stress on top of the copious vet visits my puppy has required. I wish I would've saved my money and never purchased the $60/month plan with ASPCA.

Not only is the customer service great, but the claim filing procedure is a breeze. First of all, they show they care about your pet when you talk to them about a claim. Secondly, they guide you in the right direction about filing and even teach you what to do if necessary. And last but not least, the ease with which you can file a claim is outstanding and your reimbursements arrive quite fast especially if you have direct deposit set up with them.

I started using ASPCA insurance for my Great Dane (Medusa) through my previous employer two years ago. Even after I left that company, I decided to continue using this insurance because of how wonderful they were. I have submitted claims for everything you can imagine: wellness visits, emergency visits, surgery, prescriptions, etc. I have always received quick reimbursement and great customer service. Almost two months ago, Medusa was diagnosed with lymphoma (a terminal diagnosis for dogs). This insurance is the only reason my dog is still around. Without having this coverage, I would have never been able to afford the chemotherapy that will extend her life and keep her as happy and healthy as possible until the end. Two or three weeks into Medusa's treatment I received a voicemail from the ASPCA asking about her. I was hesitant to call back, wondering if this was going to be a call where they tell me they can no longer provide the support we needed to continue treatment. I was absolutely amazed when I called back to find out that they really just wanted to check on her health and give me their sympathy. It was by far one of the best customer service experiences I have ever had. I have recommended this insurance to so many of my friends, and I encourage others to look into it as well. They have a variety of plans that are affordable and the coverage really is worth it.

My rescue cat, Max, has had several health issues over the past few years. Thank God for ASPCA pet insurance. I don't know what I would have done without it, especially this year with his needing surgery to correct a congenital problem. I look forward to many more years with my sweet little furry footed companion!