ASPCA | Pet Insurance Review

I submitted a claim for a critical and necessary surgery—our dog had bone exposed. ASPCA Pet Insurance repeatedly claimed they never received the medical records and closed the claim. I resubmitted everything, only to be told it was now a duplicate—and they closed it again. This company is a total FRAUD. I’m cancelling my policy immediately. They cheat American consumers and jeopardize the health of our pets with their shady practices and endless runarounds. ASPCA Insurance, you are a disgrace. The worst insurance company I’ve ever dealt with.

Jordy started throwing up daily, I took him to our local clinic, they took X-rays. He was referred to Nelson’s Veterinary Clinic to be further examined by Dr. T. Taylor. Jordy was diagnosed with an obstruction inside his stomach at rectum. He had surgery the next day. A growth was removed and sent for testing, results later determined non cancerous. He is still recovering from surgery but is doing a lot better. I had difficulty at first speaking with some individuals at ASPCA about records for Jordy for his whole life are only at local clinic, the ones at Dr. T. Taylor’s clinic were only the dates of Jordy’s current medical issue. After speaking with Adin at ASPCA all was understood and they covered all of the care Jordy received thank you very much.

I got this insurance because I needed help diagnosing my dog's eating problem. I went to 2 different vets for a diagnosis. When I submitted a claim for the second one, they wouldn't pay it because I had gone to the first vet for the same issue. Therefore, they called it a pre-existing condition. I thought such conditions were ones established before I got the insurance; also ones which had been diagnosed. I felt this was a sneaky way to avoid payment. Basically, for conditions which are not preventitive, they only reimburse you for one time your pet is treated for a specific reason, after you have paid the high deductible. This pretty much defeats the purpose of getting insurance, if you ask me. I will say the insurance was useful only for preventive treatment, which has no deductible. I'm not sure if that is also only a one-time reimbursement for things that are on-going, such as regular shots.

This is our first time using ASPCA insurance for our horse and it had been an amazing experience. Claims are easy to process and payment is prompt. I’m impressed.

Im going on day 40 of not getting my reimbursement back, customer service is definitely not great either.