ASPCA | Pet Insurance Review

I purchased insurance for my dog which I recently adopted from a woman who was being stationed overseas and wouldn't be able to take the dog with her. I took my dog to the vet ro get seen because I noticed that he kept licking his paws a lot. Although I tried several different over the counter remedies, keeping his paws clean, etc... the problem continued and I was worried. The vet determined that it was allergies. Treatment came out to almost 200 dollars. After submitting the claim, ASPCA rejected it because they claimed it was not within the type of policy I am paying for, however, it is because I purchased the illness and accident policy so that did fall within the benefits. I called to question their rejection of my claim and customer service said that they needed 6 months of medical records (not even a person's insurance requires that), I explained that I only had maybe 3 months because I got the dog in March of 2024, this claim was made in June. I submitted all the documents I have and haven't received any update yet. So I'm thinking that having pet insurance at least w this company is not worth it. My dog is healthy and I'm just throwing money away on this company since I am giving them money for nothing and paying the full vet bill myself. I wouldn't recommend this ins.

ASPCA did not cover any of my dog's health visits, both common preventative needs and acute issues. I tried to discuss this with several people that work for the company, they were inflexible and unwilling to help. The manager even hinted that the insurance will not cover your pet's common needs. Please do not use this insurance if you want your basic needs of your pet covered.

I wasn't sure what was wrong with my dog. She went from being happy, playful and active to lying on her dog bed, whining and unable to chase a ball. My vet felt that it was an ACL injury and lumbar strain, fortunately, she did not need surgery but was started on a series of anti-inflammatory medications and supplements which were more expensive than I expected. I was impressed that ASPCA covered her treatment and processed the claim so quickly. She is doing well and I was happy that I purchased this plan which provided peace of mind that I could provide the care that she needed.

After being a loyal ASPCA customer for many years, I was disappointed to find that my premium nearly doubled this year. The last few claims I made took an unusually long time to reimburse, and I even had to open a case for one of them, which I won. When I compared ASPCA's quote with other top insurance companies, I found the same coverage for a significantly lower price. In fact, it was less than what I was paying with ASPCA. I sent in my cancellation email a few days before my renewal date, explaining my reasons, but received no response, and my policy was not canceled on the renewal date. I just rechecked my account, and it is now canceled (a week later), but I have yet to receive a response from them, and they have not initiated the reimbursement process. I understand that companies need to make money, but the fact that I found the same insurance at a substantially lower cost and, most importantly, that I received zero response from them speaks volumes.

My 1 year old dog has some genetic joint problems and my first claim is denied as pre existing. I will be dropping this coverage it's a total waste of money that I can be putting toward the vet bills his insurance rejects. Update - thanks for your reply ASPCA... wish I'd thought of that. Oh, I did. Twice. Coverage cancelled.