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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
great pet insurance
Pets best insurance is very helpful and very quick with responses
excellent company
Extremely easy to find info and submit claims on website. Able to customize my policy (deductible, type of coverage). Claim decisions fully explained. Calls do not go to a holding queue; reps always answer. Have recommended Pets Best to my friends and family who have pets.
Insurer: Pets Best
By: stacie
Excellent claims processing
Pets Best claims are submitted easily through the app and most are processed quickly! I recently had to submit 3 claims within a week of each other. I received an email determination within a week of each submission and the money was direct deposited to my account a few days later. I’m happy that i’ve had Pets Best continuously for my dog since he was 8 weeks old.
Insurer: Pets Best
By: Flo
Lemonade Review
This insurance has helped me to the point where I now have two pets insured by them.