ASPCA | Pet Insurance Review

I have been reluctant to write a review, but feel that I need to let other pet parents know about my consistent experiences. I am beyond frustrated. The biggest frustration is that what ASPCA states that they will claim is often denied. One example (of many), an RX food used to treat a medical condition (not a general maintenance) is CLEARLY laid out in my plan, but is denied when I submit. Today I’m told that it needs to be an RX medication food- even though that is nowhere in the policy. My internal medicine vet wrote a long letter explaining how this is a specific treatment, and it is still denied. It is a constant struggle to have ASPCA cover what is clearly listed in the policy, and when you submit an appeal, it further delays ALL processing. The normal processing times exceed a month when there are no extenuating circumstances. I get frequent standard emails apologizing for the long delays, with ASPCA acknowledging the severe delays. I just called about claims and the customer service rep was adamant they process claims in 7-10 business days, essentially telling me that he knew better about processing times instead of my actual experience and the acknowledgement from ASPCA via email apology. The the past few months, every time I call I’m given a different answer to the same question. This is beyond frustrating and I am considering canceling my plan so I can give my dog the best care without the hassle and frustration every month. I hope other pet parents seriously consider these experiences.

After 20 years of good service the ASPCA has started harassing and delaying, in order to deny legitimate claims. The Hartford Group is reviewing claims and helping the ASPCA to deny claims. Dont buy this insurance or you will be bamboozled.

My experience was really great.

It was smooth

So far so good, haven't used the coverage yet.