ASPCA | Pet Insurance Review

While ASPCA has created a very sleek and user-friendly interface for submitting and tracking a claim, I have found a NUMBER of deficiencies in their up front information and back-end service. While having a rep answer the phone quickly and having access to a kind veterinary nurse on the end of a telehealth line are all very helpful as a consumer - I was pretty floored to find that neutering and spaying aren't covered under their basic preventative care plan...the hard way. If you hope to be reimbursed for this VERY COMMON procedure, you MUST select their PRIME care package, in order to have any reimbursement for those costs. Since ASPCA did a poor job of making this information clear up front, I'm hoping this review saves someone else the trouble I've gone through. You have to read through all of the itemized treatments/procedures to see that it's not covered, which wasn't apparent, nor that there was even an upgraded insurance package available.

It is a great insurance company. I feel that my dog and I are fully supported.

Terrible. People with zero medical knowledge are following a vague flow chart that is divorced from reality. An allergy will prevent your pet from getting reimbursement for ANYTHING because they are "secondary symptoms." Giardia is NOT a symptom of an allergy. Simply garbage. Cancelling coverage now.

Easy process to add my new pet and the rates are within my budget. The process to submit a claim was fast. I recommend it.

Dental cleaning is supposed to be covered with our plan up to $100. Our dog usually gets dental cleaning every 3 years because that's when medically necessary as deemed by our vet. He did have to get an extraction due to chewing on something he was supposed to have, causing a fracture. While he was under anesthesia, they suggested to do the dental cleaning even though the tartar wasn't too bad. It saved us from putting him under anesthesia again (and he's older) later this year to undergo the cleaning. They wouldn't cover the cleaning becuase they said there was tartar mentioned in his notes 6 months ago. They only cover cleaning when there's nothing wrong with the teeth - no one will put their dog under anesthesia for a dental cleaning if there is nothing to clean. That is the only way they will cover it. Trying to get away with whatever they can to not cover something that clearly should be covered. Should be ashamed of themselves.