ASPCA | Pet Insurance Review

Service is ridiculously slow despite their claim of quick turnaround times, and they denied my first claim, saying it wasn't covered because it took place during the initial 14 day waiting period (it didn't, coverage started Sept. 27, the vet visit was Oct 13). Not a great start, wish I had read the reviews a little closer. I understand insurance is the biggest fraud going today, but this is still disappointing. I'm just finding this out halfway through November.

DO NOT BUY this insurance. Our dog tore her Cranial cruciate (ACL) running through our yard and was deemed as a degenerative disease after they told me to have the surgery done ($6,800). Reimbursement was denied in full. They are a terrible company to work with. My appeals were completely ignored. They could not tell me if the reviewer who denied the claim was a certified veterinarian. All communication was dropped when I told them I was filing a complaint with the Insurance Commissioner. The lawyer called me and offered to cash settle 3 days prior to the hearing. I refused to settle so that I could write this review.

If I could give less than a star I certainly would. We have had this insurance and paid almost $500/year in premiums for the past five years, and when we finally went to use the insurance for the first time, they denied us like all the reviewers before us: they now consider ligaments illnesses. Yet they continue to sell the accident policy with the language that ligaments are covered (Our original policy even suggested they'd cover up to two! With accident only coverage!). That language is still in the accident only policy, yet they will decline your claim and state that these are now defined as an illness. We had a dog running healthily a week prior to his accident where he could no longer walk, and they will say that this "disease is intermittent and degenerative." BUYER BEWARE. They will find a way to reject your claim.

We have had this insurance for a number of pets for many years. The claims are easy to submit and payment is prompt. What really made me decide to make an effort to promote ASPCA insurance by word-of-mouth and on social media were two transactions. First, we had a Rhodesian Ridgeback female who at about 12 years of age developed malignant melanoma. Our vet referred us to an oncology vet, who began the administration of a drug to slow down the disease. The drug was very expensive, over $600 each visit every few months, but it did allow our girl two more years of good life. When I first submitted a claim to ASPCA insurance, they denied it because they said it was an experimental drug. Our oncology vet had told us that it indeed was still experimental in humans, but was approved for use in animals. When I communicated this to ASPCA, they checked into it and immediately began reimbursing her treatment. They paid about half the expense of this drug, and our cap was reached just after her death. Second, our older cat developed a tumor under her chin, which was so hidden that it was well advanced when we discovered it. Our vet did a biopsy determining that the tumor was malignant and referred us to a surgical vet, who examined her and said he could remove the tumor but it would leave her grossly disfigured and she would probably have difficulty eating. We decided to let her go, making her as comfortable as possible until her time came, when we contacted a pet hospice, and they came to the home to give her a peaceful death. I got busy with many other matters and kept putting off submitting the claims for her. When I finally got around to it, it was over the deadline for submitting claims, and at first ASPCA insurance denied the claim on those grounds., and I understood why. Shortly thereafter, without any protest from me, I received an email that said the were going to reconsider and might make an exception for our claim. They did and recently reimbursed us for 60% of her expenses, after the deductible. What this demonstrates to me is that there are compassionate people at this company, that they are loyal to longtime clients, and that they work with you instead of in opposition. Thank you, ASPCA insurance.

I have had ASPCA insurance for several years & they have always done a good job. Thank you.