ASPCA | Pet Insurance Review

First time buying pet insurance and thought I was going with a reputable company. My very first claim for my dog's torn acl was denied. I called customer service and was told it was because there was a reference in my pet's records of occasional stiffness in that same leg, even though at which time the vet said her leg was fine and recommended a joint supplement due to common hip problems with labs...a totally different issue. I will be filing an appeal since my vet agrees the denial is ridiculous, but I assume it will be denied, and then I will be cancelling my insurance with this company. Lesson learned. Go elsewhere or skip the insurance altogether.

My pet is 7 months old and they are requesting a full year of vet information prior to considering my first claim. So far not going well at all.

What an easy claim process! I submitted claims for our three cats' regular veterinary check ups and received updates and the claim funds back in a very reasonable amount of time. The process was simple and easily submitted the claim through the app, uploaded my vet invoices and voila, all done! For our three cats to have comprehensive coverage it's about $123/month, which is very reasonable and gives us a peace of mind knowing they are covered for illness and injuries.

Submitting a claim was easy. Amount of payback not so great. categories of payback not so great.

I signed up for "complete coverage" on April 5, 2024. On June 19, I changed vets. New vet wanted to do X-rays. That's when hip dysplasia was diagnosed. I submitted all paperwork from both vets. After a lengthy process, they rejected x-ray, meds, FHO estimate because of pre-existing condition, even though we were beyond the 14 day waiting period that they advertise and condition was not diagnosed before coverage began. They said it was pre-existing because the SOAP notes had a reference to a "limp" in March, even though the vet told me it was not an issue because my pup had good range of motion in both hips. I would have been much better off putting my $83 in the bank. Needless to say, I feel like they have false advertisements.