ASPCA | Pet Insurance Review

I am a newer customer. After reading reviews and comparing plans, we went with the ASPCA plan. We just filed our first claim. I cannot believe what a hassle it was. We uploaded all the paperwork. It turns out, ASPCA insurance was calling our vet's office, hounding them for the paperwork I uploaded. So, I uploaded the paperwork again, and again. I emailed them once, and then twice, and then a third time. there is no phone number to contact them. My veterinarian contacted me, VERY angry, to ask me to stop the insurer from HOUNDING them for the paperwork that was ALREADY given to them! Now my vet's office is threatening to drop ME as a client for the incessant harassment from the ASPCA Insurer. And again, there is no number to call to talk to a HUMAN. They did not even reply to my many emails asking specifically WHAT was needed, so I was left guessing. My vet's office said that they recommend Trupanion specifically because of frequent issues like this with ASPCA. Based on this, I cannot recommend this insurer. I wish I had known about their very poor service before we signed up, and I will be researching insurers for the future with better service.

Easy to use app - information saved re: vet/ pet hospital in a drop down bar which saves time; easy to attach files. Email received immediately after claim is submitted so you know it’s been received. Easy to follow progress of claim review on app, which is nice to follow. Time from submission of claim to reimbursement is quite timely, often much more speedy than predicted review time. Reimbursement to an account is seamless and timely.

So very disappointed with processing claims , the amount of reimbursement and overall lack of being clear . The customer service was great but never could do anything to help. This is not the Pet insurance company they have an underwriter that doesn’t want to pay out claims. When I called to cancel within the first month and mentioned I was so happy I didn’t cancel my other pet insurance I was asked which one and when I said the name she sounded surprised! She actually said “are you serious?” The other company has paid out on all claims and I’ve never had a problem but I wanted an insurance company that would cover Dental well they don’t if there is anything in the pets file stating they had anything tooth problems prior there is a 180 day waiting period.

I filed a total of 14 claims, but they only paid out on a couple of them and only a small amount—$25 out of a $476 claim. I've been with them for two years and recently decided to cancel my policy. I pay over $125 monthly, but I've had no approved claims during this time. This is the worst pet health insurance; I wouldn’t recommend it because they don’t make any payouts!

The ASPCA has repeatedly denied claims that were covered during the same policy period necessitating several, time consuming, appeals. I have referred this company to over 100 people over the last 8 years I have had coverage for my dog because the coverage was clear and promptly paid. Si9nce January, 2025 every claim has been denied. I am hearing from several people I referred to ASPCA Ins that they have gone elsewhere for the same problem.