ASPCA | Pet Insurance Review

My dogs have been covered by ASPCA for years and the first time I filed a claim last fall it was denied because the date of the injury was 3 weeks before my policy renewed and by the time the Vet recommended the MRI and surgery, we had moved into this year's policy. Since the injury began just before my policy renewed, it was completely denied and I'm $1,000's of dollars in the hole. We would never have made the decision to have the MRI if we didn't think we were covered by insurance. When I called ASPCA before the MRI, they told me they couldn't guarantee coverage, that we just had to have it done then submit it. They didn't warn me that if the injury happened prior to the annual payment date, it wouldn't be covered. Don't use this company!!! They took my money for years and then didn't come through.

I have had insurance since my puppy was 8 months old. She is now 4 1/2 and has been diagnosed with lymphoma. Her inital aspirations of her glands cost $151..the insurance co only considered this test to be $58 and therefore only reimbursed me 80% of that amount. Now she is undergoing chemotherapy and she only has a $1500 limit. She policy expires in May of 2012 and then becomes a pre exsisting condition and will not be covered. The insurance co now has a new plan offering continuing coverage, but of course they never told me and now it's too late. My husband and I have been researching pet insurance for any future puppy, and through this same co..they do have a better plan but even on their continuing coverage (cancer, heart etc) they will only reimburse 80% (even if you chose a higher amount) and they put a cap for lifetime limit of $6K. My dog has gone through 4 of her 12 treatments and I'm well into $3k right now due to tests, hospitalizations etc... if you have a dog that is going to have a life long problem...how can they cap you on that. I really liked my insurance, but now going to have to look elsewhere

My Dog was seen by a very renowned Cardiologist last August of 2011 for a consultation advised by my local Veterinarian. He was at this time diagnosed with Cardiomyopathy.The bill was submitted and denied after having ASPCA Ins. almost 2 years.I went through the Appeals Procedure including a letter from his Cardiologist stating that the cardiomyopathy just diagnosed was in fact not a pre-existing condition! More time went by and I received another denial of one single dollar based on the opinion of an unnamed "ghost" Vet hired by ASPCA. There were contradictions in his report and no valid basis whatsoever for this denial. I am extremely unhappy with ASPCA. Shame on them for not employing correct ethics to a paying customer.Their goal seems to be profit above & beyond fairness & doing the right thing by the customer. A very bad experience!

When my dog became both ill and injured recently, ASPCA paid her coverage two claims promptly. It didn't cover all my expenses, but certainly helped eased the financial burden, particularly with the expensive surgery that was required

Decided to get insurance for my dog pinky since she getting up there in age. She had, had medical problems before with a torn acl and some dental problems. The cost of all the vet bills was starting to get very expensive so I decided to get her insurance. I have only had to use it once so far but most of the cost was covered and that made it completely worth it.