ASPCA | Pet Insurance Review

After submitting a previous claim for our dog, when there was a rapid settlement, we are having a devil of a time getting re-imbursed for a relatively small claim for the removal of a large benign lump. ASPCA rep told me that the insurance needed a complete set of medical records associated with the claim. These records were submitted by our veterinarian at the time of treatment and also TWICE by us. Still, after 6 months zero re-imbursement. But no joy, so can’t recommend

I work full time at a vet and tell all my clients to steer away!!!

I have worked as a property and casualty adjuster for the last 30 years. I have never had a worst experience than working with this company-I also found out that ASPCA doesn't even own the insurance company, it is run through a 3rd party that uses the naming rights from ASPCA. I had a claim for my dog and they denied it, they said i had filed it incorrectly, I asked to cancel the policy and they told me I needed to file it under a different coverage, I went through all the hoops and they denied it a second time and then refused to refund my policy after I asked that it be cancelled. Don't use this company very shady-I had pumpkin for my last pet-they were fantastic. I'm cancelling ASPCA today.

They are disorganized, their app is missing critical features like explanations of claim decisions, and you need to call multiple times to follow up with them. They will base denials not on vet's guidance or treatment. Not really worth paying for premiums. I wish I had signed with a difference insurance provider.

Would not recommend anyone get a policy from here. They won’t pay your claims. They’ll start off paying the first claim then won’t pay anymore and give excuses. Just save a little money every month and you’ll get it back 100% when you have to take your pet in. They shouldn’t even be able to use the word “insurance” because it’s not. It’s a flat out lie.