ASPCA | Pet Insurance Review

They accepted my claims & reimbursed the correct amount! Took about 3 weeks to complete.

Claims go through smoothly and reimbursement is fast.

My dog has been going through a lot of medical illness stuff the past six weeks. Without ASPCA insurance, I’m not sure where I’d be; and afraid that I might be making choices that I’d always wish were different without it. My costs are still going to be above the annual cap - but without it, I’d be lost! Their INS gives me the peace of mind, knowing I can care for my pets, with one less worry. If I never needed/used the INS - that would be just fine, and I still wouldn’t regret paying for knowing it’s there. Thank you ASPCA!

When Olly had a giant GI issue in October of 2019, I started looking into Accident and Illness pup insurance. He already had a wellness package with his veterinarian, but like many of you have already found out - these generally only include wellness visits, dentals, and vaccines. This wasn't going to cut it. I spent weeks researching pet insurance. Best reviewed companies, emails to representatives, trial basses, pre-existing conditions checks. The top ranked companies all failed my most basic expectations. Dental tartar - a pre-existing condition. A hot spot from a cone that rubbed his neck raw, a pre-existing condition. Things that not even a human insurance would consider "pre-existing" - all pre-existing. This appalled me. I would think a pet insurance company would truly care for the animals they care for. Not one of them did. I started looking at customer reviews for these companies. They were horrendous, the people agreed. I finally stumbled across the ASPCA's, underwritten by a Fire Insurance company. I was amazed. This companies customer reviews blew all others out of the water. Their stipulations were fair and compassionate at the same time. Pre-existing conditions were not a ghost to forever haunt your medical history. I signed up and I moved on with my life and forgot about it. Until Olly developed GDV during the COVID 19 shutdown. Three veterinary visits in one day. Followed by a trip to the Animal Emergency Clinic that night and emergency surgery. I had more vet visits in 1 month than I ever had in a year (and let's face it, I love him, but my dog is a lemon) - and I remembered the insurance I purchased. I downloaded the app, took a few pictures of paperwork and submitted his first claim. Simple as that. The wait time for processing wasn't horrible. I received my reimbursement. It had truly been a blessing. Where I would have had no other choices, I was able to save Olly when I otherwise wouldn't have been able to afford it. If I could ask for one thing, it would be the ability for bills to be handled like humans at a doctors office. Unfortunately, everything is paid by you in advance to the hospitals and clinic. This is a requirement of the hospitals and clinics themselves. You submit your claim for reimbursement. While this is not ideal, its the best option available.

I’ve had this insurance for a few years now. In that time my cat has had a number of issues with ear hematomas. He needed two surgeries, many appointments, medications, check ups etc. Our aspca insurance has been very reliable, fast, great communication and friendly customer service people to help with the process. There haven’t been any hidden fees or them trying to find a way out of paying. It’s made some very stressful situations so much better. It’s a peace of mind I would never even consider not having. My little family is grateful!