ASPCA | Pet Insurance Review

At this time, I am not sure I am happy with ASCPA pet insurance. I currently have to two pets covered under ASCPA pet insurance - I chose a Level 2 plan for each of them. Between the two pets I recently submitted five claims totaling $853.55 to ASCPA. Out of the $853, I will be reimbursed $258 - approximately 30% of the total. One claim of $470 was for my 8 month old kitten who was spayed. For that particular claim, I will be reimbursed only $100 out of the total $470 claim for the spaying. I thought ASCPA [especially being ASCPA] offered a better care plan for my pets - especially thinking that I had a level 2 plan - my mistake. I am not convinced that ASCPA is a good pet insurance plan to choose. I have yet to see anything close to 90% reimbursement. BE SURE YOU UNDERSTAND THEIR THEORIES ON PRE-EXISTING CONDITIONS AND THEIR 180 day CLAIM WITH 'CURED' BEING THE SKEWED AND KEY WORD here. 30% reimbursement just does not seem adequate to me and it seems they are good at denying portions of your claim leading to them paying much less than the up to 90% as advertised. I thought this was a good and safe choice being ASCPA, but that is very questionaable. I have submitted one more claim. I will look at the percentage that I get back. If it is a low percentage again, I may have to reconsider this pet insurance plan. I also suspect that they may have lied to me. I previously submitted a claim that was denied based on a pre-exisiting condition. I thought my pet would be covered because he had not any symptomotology of allergies for 18 months, but again their interpretation of the contract and the word "cured" did not match what I understand or what I was told on the intial call regarding this insurance. Needless to say, they would not cover the claim and that was that.

2 wks before Chrismas, our 13 yr old Corgi walked like he was drunk. It turns out he had a neurological syndrome which was easily treatable with meds. On Christmas day, our 5 yr old Bichon ate 1/2 of a dark chocolate bar & spent the evening at the emergency vet. Our ASPCA insurance sent our reimbursements very quickly. They called multiple times to find out how our dogs were doing which is a rare thing in this day & age.

I have never had insurance for my pets before, but went ahead and got it for both my rescue dogs when I took them in about 2 years ago, just in case.I have found ASPCA's rates to be reasonable, and when we filed our first claim last month (for surgery related to severe periodontal disease), the process was simple, clear, and the claim went through in just over a week. I was satisfied with how much of our claim ASPCA paid, as well. Their website is easy to use, it's simple to access information about my dogs' plans, and customer service has been good. I have heard horror stories from some pet owning friends about other insurance companies, so will now only recommend ASPCA. They are great!

Aspca pet insurance has been very reliable and have helped a ton with reimbursements on vet Bulls as we struggled to figure out what was wrong with our dog. Once we finally followed up and got her on meds, they followed up to find out if she was feeling better and if there's anything else they can do to help. I was really impressed with the service and the genuine people I spoke with (like bob).

My wife and I adopted an older (9 years old) min pin soon after we were married, and because of some health concerns the shelter had, we knew we may be taking him to the vet more often then we'd like. I learned about pet insurance through my vet's office, and looked at VPI, Trupanion and ASPCA. The first two would not provide coverage to our puppy because of a combination of reasons (age, pre-existing conditions, congenital breed issues...all the good stuff) so i decided to give ASPCA a shot. I AM SO HAPPY I DID! They provided coverage for our little guy, and I have not regretted the decision to go with them. The premium for him is reasonable, and the coverage they've provided is more than I would have expected from a pet insurance company. There are some reasons certain things are not covered, but they have always explained in detail why things are not covered and all are reasonable/rationale. I can honestly say I've been pleasantly surprised when I see the amount covered. Case in point - our little guy recently went through some tough times, having seizures unexpectedly which cause us a lot of concern. We took him to a neurologist who recommended an MRI, which can be a costly examination (~2000). We decided to get the MRI and would figure out the finances regardless of what Insurance covered. Submitted to ASPCA after the MRI was done...Boom, 80% covered which was incredibly helpful. As an added bonus, their website makes it easy to track the status of claims, and things are processed in a very timely manner (longest so far is 10 business days). What really impresses me about ASPCA is that they show they care about our dog's well being. After seeing all of the claims for the MRI, seizures and all that fun, we got a call from Bob from ASPCA - this was not to do anything but ask how Eddie was doing, if he was feeling better, if we needed anything additional or had any questions about our claims. This has been consistent from all of my interactions with them - first part of the conversation is always "how is he doing" or "i'm really sorry to hear that" followed by some words of comfort. It is very comforting because these calls are usually made at stressful times. For any other pet we have, I will absolutely be getting ASPCA coverage. Highly recommend!!