ASPCA | Pet Insurance Review

great and easy to file. wish it didn't take as long

It’s been easy to submit and track claims, they’re quick to respond to questions, and they really seem to care about my dog. I’d definitely recommend them!

aSPCA pet insurance was Super easy to sign up for, and super easy to submit a claim. You fill out a short claim form online, upload the bill from your vet and they do the rest- the money is in your account direct deposit within a week or two after the claim is submitted. If they need additional info they follow up with the vet for you. You get email notifications every step so you know where your claim is in the process. Highly recommend. They also give multi pet discounts.

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.