ASPCA | Pet Insurance Review

It's a rip off. Don't do it. They denied a claim on my dog and was stuck with big bill after paying them over 100 a month!

I have taken over the policy on a female dog that we got back as they went with ASPCA instead of the company we recommend when puppies go home. In 40 years of breeding we have never had insurance on a dog of ours. So this is a new experience for me. I assisted the prior family in getting the medical they needed to get the deduction properly credited. It seems there are different levels of phone help on the denial letter. We got a letter that said the claim was denied as there is not a policy in effect! The website is easy to work through but the denials are insane. They say they don't have medical always first comment. Then when the vet has emailed the medical 4 times! So I started to get a copy of the medical and send it myself. They want the SOAP notes. Not the notes that come in with the bill for the visit. They have 2 stars only for the deductible credits FINALLY being recognized after 3 calls and many hours of my time. Now since I have submitted more bills for the conditions they have paid for before I am waiting to see what happens when they have to send out money to us. So far they are super with the auto pays coming out to them.

I have been with ASPCA Pet Insurance for 15 years, initially drawn to what I believed was a reputable company. This belief was put to the test and found lacking. My experience has shown that while everything may seem fine when your dog is healthy, the true test of an insurance comes when you face a crisis. Last year, my healthy dog was diagnosed with cancer and sadly passed away within 14 days. Despite this painful loss, I decided to give ASPCA another chance with our new dog. Regrettably, just two months later, my new dog developed hyperparathyroidism. When I submitted the insurance claim, it was swiftly denied due to being considered a 'pre-existing condition'. It has become evident that ASPCA will find any loophole to deny claims, effectively making their coverage only beneficial if your pet remains healthy. It appears that ASPCA is more interested in collecting premiums than in providing the support and coverage that pets and their owners need. I am deeply disappointed and feel misled by a company that I thought was the best in the field. I advise potential customers to consider other options, as this company might let you down when you most need them.

After the first year of our dog’s life I realized I’d better get pet health insurance. He suffered from weird allergies and I read that Irish Wolfhounds can be prone to strange illnesses and early death. I chose ASPCA because the premiums seemed fair. I decided on paying a little extra for the 90% back. All I can say is that this company has been there for us every time he’s had weird lumps or hurt paws or infections. You see, having a 200 lbs. dog, vet bills are much much higher. There is at least 3 times the amount of medication needed. I don’t have the maintenance kind of insurance but this company has been there for us every time he’s been sick or injured. He will be 5 years old soon and I will never be without ASPCA.

I have jumped through all the hoops to use a chiropractor instead of putting him on drugs, but living in a smaller town we only have a mobile chiropractor and they will not pay for his treatment even after my vet sent referral and send people to her. They paid twice and then all of a sudden needed started disputing the service. Seems like they'd rather pay to use drugs than use alternative medicine