ASPCA | Pet Insurance Review

We wanted to use ASPCA health insurance because we are gold members since we donate every month and thought why not use them to insure our pet but ever since we started it’s been like we don’t even have insurance. We get reimbursed little to nothing back because they claim nothing is covered under our policy and it’s almost impossible to get someone on the phone even pre-COVID to dispute these claims once they are processed which takes over a month to begin with. If you have to take your pet to the vet frequently or have pre-existing conditions (and even if you don’t they’ll claim you do) I would find another insurance.

I have had ASPCA Insurance in the past for my previous fur babies. Questions were always answered promptly and when one passed they were always compassionate. Would always recommend to my friends.

Good

When I signed my pets up for health insurance, I was under the impression that my dog’s genetic predisposition for hip issues would be covered. However, I was told that her conditions would be pre-existing and not a genetic predisposition. She’s a mastiff, genetically predisposed for hip issues. Instead I listened to a member of the staff give anecdotes about her German shepherds and how they don’t have hip issues regardless of their pre-disposition. I’m not sure what anecdotal evidence about an employee‘s pet hast to do with my pets issue. Clearly this company has figured out a way to masterfully exploit our pets and emotions just as they’ve done with human health insurance.

No response to phone calls, only put on hold, never speak to a live person. Slow response to emails. Seem to only respond when threaten to cancel, then false promises. Fail to process claims with wait time of more than six weeks and still not processed. Do not recommend this pet insurance. Personal healthcare claims are processed in less time.