ASPCA | Pet Insurance Review

I have had ASPCA insurance on my 2 rescues a couple years now. My experience has been that it is best to ask your Vet for Soap notes and medical records to submit with the invoice claim you file for a better outcome. I have had most claims paid and the company is reasonable just lacking communication between customer service and claim reps as I had to keep calling to get information updated. This seems to be a recent issue as it didn’t occur when I first purchased my insurance plans. I like the direct deposit option for reimbursement which expected the process a bit.

My 5 year old chocolate lab Lucy had TPLO surgery after a cruciate tear to her knee. I have had the accident only policy for about 5 years. My policy has a $250.00 reducible and 90% pay. The claim was easy to file online and they were easy to speak to by phone. My claim was processed very quickly and I had my reimbursement in about 5 days after filing it. I am so glad I had this coverage and am very happy with this company.

I have full coverage on my cat which includes preventative. I have been disapppointed in the reimbursement. She has had teeth removed two times that were infected and they said this is pre existing condition. Therefore, only a portion of her bill was reimbursed. Out of $1200 for the last extraction done, I was only reimbursed $235. Since I have full coverage on my cat I don't understand how an infected tooth is pre existing. I really can't change insurance companies at this point because she is now 7 years old. I signed her up as a kitten so it would be more expensive if I changed.

I adopted a dog 1 year ago and decided to get insurance at the recommendation of my vet. The catch to aspca is that they reimburse UP TO 90%… I pay extremely high monthly and never have I been reimbursed for any vet costs outside of the appointed annual vaccines ($50-100). Filing claims through the app took weeks and sometimes months, and required me to send full records every time in addition to the invoice of work done. Be prepared to wait a very long time for review and payout. My coverage included preventative maintenance like behavioral health— I followed guidelines and got a dog trainer, and received 0 reimbursement. My coverage also included 24/7 access to vets over telehealth for questions or basic advice… I never once got through to an actual person. It was always a robot and never connected me to anyone to assist me, or told me it was outside of business hours. When I’ve tried calling to talk to someone about my coverage I could never connect to a person either. Overall I’m very disappointed with this service and am not renewing. Hardly no return but outrageous monthly charges. I wouldn’t recommend this to anyone. Switching to USAA.

One star rating only so that I can provide a review. They deserve a NEGATIVE RATING. ASPCA medical insurance is a joke, they take your money on a monthly basis for an insurance premium, and pay no claims. They are a FRAUD!!! My only hope is that the money I have paid to ASPCA for medical insurance for both my dogs, is not lining the pockets of the executives, but truly going to help animals. I doubt it as ASPCA medical insurance is a scam. I sent in a claim with medical documents for my dog when he collapsed and was denied, for " Pre-existing condition" which is untrue as my dog has never collapsed before, and he was undiagnosed as the vet could not figure out the cause, and speculated heat stroke, or seizure but undiagnosed. I appealed and the denial and ASPCA claimed non receipt for the appeal, resent at the request of support again, heard noting at all. I've sent in other claims for medical visits and they too were denied stating "Pre existing condition". Such a scam... I'm canceling this insurance to stop this company from extorting money calling it medical insurance. Please do your homework before signing up for insurance with this company. Don't give them a dime for medical insurance, try other companies, please save your money, don't pay it to ASPCA. You will get nothing in return.