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AVOID ASPCA Pet Health Insurance
Purchased ASPCA Pet Health Insurance (underwritten by Independence American Insurance Company, administered by PTZ Insurance Agency) for my adopted Boxer puppy in March 2026. Annual premium: $1,366. I spent an additional $2173 in care. Total reimbursed in four months: $350. A heart murmur was noted at her first wellness visit, 8 days into the policy's 14-day waiting period. The resulting echocardiogram ($620) was denied under a waiting period exclusion. Her veterinarian submitted a letter stating the murmur is clinically consistent with a congenital condition. Formal appeal denied. The policy language explicitly includes congenital conditions in its definitions of covered conditions, but the claim structure makes it functionally impossible for any congenital condition to ever be paid: it will either fall inside the waiting period or predate the policy. I filed a complaint with the Massachusetts Division of Insurance. Boxers are a breed with well-documented cardiac and other hereditary health risks. A policy that includes congenital conditions in its language but excludes them in practice is not appropriate coverage for this breed. I would not recommend this policy for any breed with known hereditary health concerns. And given the amount they actually reimbursed relative to what I paid for the premium and for the puppy's vet care, I don't recommend this pet insurance to anyone.
Insurer: ASPCA
By: CC
The representative Nicole provides…
The representative Nicole provides a polite and superior level of Customer Service. She is also compassionate and understanding..
Insurer: Fetch Canada
By: Damian
The employees are The Best!
The employees are The Best!! They haven’t even met “Our princess 👑 Charlie”, but totally know the Love we share with her❤️ Talking to them, they seem to care and love her too!! Thank all of you for making her and us feel so special 😻
Insurer: Pumpkin
By: Sherry Zavala
Prompt response and payment
Prompt response and payment. Never never an issue
Insurer: Healthy Paws
By: Sharon Yadon-Garcia
DON’T BOTHER. What a mistake.
When I signed my healthy baby kitten up for insurance I chose this company, Even though it was far more expensive monthly payments than others would have been, I chose it because I could have a low deductible and not worry about waiting for compensation when emergency treatments would be needed. My cat JUST turned 4 and in those few years I have not yet made a claim for him. Despite this, Trupanion has almost DOUBLED my monthly rate. I am SICK of it. When I reached out to customer service to inquire about this they said that as more similar pets to mine sign up the higher the rate has to go. So I’m effectively being punished for the success of this company attracting more customers. I asked what they could do to bring my rate back down to what I signed up for and she said I would have to triple my deductible, and gave no reason to believe they won’t continue raising the monthly rate after such adjustment. Also their app doesn’t work and their website is trash. I greatly regret choosing this pet insurance and will be changing companies for my pet, I had nationwide for my previous cat’s life and it was far superior. Trupanion has been Absolutely ridiculous. What a disappointment.
Insurer: Trupanion
By: Vee
The ease of enrollment and the ratings
The ease of enrollment and the ratings
Insurer: MetLife
By: Sean McCarthy
So easy to submit the claims and never…
So easy to submit the claims and never had to hassle over payment. I have recommended Spot to friends too and know at least one of my friends uses them now.
Insurer: Spot
By: Lisa
Amanda really wowed me
Amanda really wowed me. Her genuineness and knowledge far exceeded the other insurance representatives I spoke with. I genuinely believe her and Fetch have my baby boy’s best interests at heart. Like most people I love my pup, so having someone that understands that was really important to me. Their policy options and price point were just additional benefits. I’m very, very happy with my choice.
Insurer: Fetch
By: Phil Braun