ASPCA | Pet Insurance Review

Really terrible service. They find ways to make you jump through hoops to not get compensation

This pet insurance has been the worst experience so far. I've had nothing but trouble when trying to use it. They always claim it's a pre-existing condition. My teacup Pomeranian has short legs, which means when he jumps too high, he dislocates his kneecap (luxating patella). The vet says he needs surgery to stabilize the knee joint after a tear of the cranial cruciate ligament, and that surgery costs $3,800. But this insurance company denied my claim, saying it was a pre-existing issue. It's so frustrating to pay for insurance all year, and then when you actually need it, they just won't cover anything. I definitely don't recommend this pet insurance. They only care about the money and don’t seem serious at all!

The policy changed hands to another company and is terrible now. The total monthly premium costs the same amount as the deductible. And there is a very low limit for coverage annually. I’d be paying out $1400 annually for a $2500 limit of coverage. It honestly makes more sense to just put the money in a savings account every month.

ASPCA always goes above and beyond. After rushing to ER with our older guy, and ultimately having to put him down, I submitted all of the invoices next day. Clearly not thinking straight I failed to get/include the itemized items that were needed. No worries. ASPCA handled every bit of it, and in their usual efficient and speedy way. As fate would have it, within a week, a rescue was given to us. A pup. And of course, ASPCA will be her coverage. They are amazing and we are so grateful to them!

The website is very easy to use and claims are processed in a timely manner.