ASPCA Pet Health Insurance Reviews

This insurance SUCKS!! Paid for it well over 2 years because my dog had a torn leg ligament which we paid for out of pocket (hence that’s why we got the insurance in the first place). A couple or few years go by and it happened to his other leg. They said they won’t cover because it’s a preexisting condition. What???? It’s on another leg smh. If you have this crappy insurance I suggest you get in writing what they will cover and what they won’t. We won’t be using them anymore.

I would not recommend this insurance. I have my dog covered through them and he got a hematoma on his ear. If you’re unfamiliar with these, they’re essentially a large blood blister that could be caused by anything like hitting the ear, playing too hard, shaking his head, etc. I submitted a claim for the surgery that he had to have and they denied it for being a pre existing condition. When I called they said they were told he has allergies in October of 2022 and that’s considered incurable and that moving forward, anything that happens on his skin won’t be covered. Which means that even if he gets an injury (like this hematoma) they wouldn't cover it. What is the point of an accident policy if they won’t cover anything skin related? Most accidents involve wounds. It seems like they’ll find any reason to deny a claim.

We've been insured with ASPCA for 5 years, used it once for reimbursement of $289.00. My rate has went up 113%, that's not caring for animals that's pure GREED! I had to cancel and find a more reasonable rate with less Greed involved. ASPCA insurance is not associated the rescue association, just another disgusting insurance agency.

First, dates were wrong, 2nd previous history of issue had nothing to do with current issue of ankle fracture. Just because it was leg issues in past doesn’t mean fractured ankle. I never got a denial letter for the correct date of denial. And when I stated ankle fracture is not same as bladder spasms. I even asked for a letter explaining why they denied they said for me to look at “exclusions and/or explanation of benefits”. That’s their answer. Don’t buy this insurance. They will find every possible excuse to not reimburse you. And it’s not cheap! I cancelled right away. Not worth the hassle and excuses. Terrible service!

SCAM! Had this insurance for almost a year. Cat needed surgery. Sent in information regarding surgery and got an email saying " We're on it". Three weeks later get another email saying they need info from very within 72 hours or claim will not be valid. 48 hours later get email denying claim although very had sent in needed information.

Filed a claim for two infections. It was denied as 'pre-existing'. They claimed it 'could be' due to allergies. They did not give a reason for the skin infection other than 'might be due to allergies'. The ear infection was considered 'pre-existing' since the medication given was the same as a previous medication, even though though my dog has never had this infection before, ever. My vet said he was as close to 100% certain these are due to environmental issues, rather than allergies, but the claim was still denied. Filing a BBB claim today.

My dog suffered for many years and it was costing me a fortune. I decided to finally get pet insurance with ASPCA, and I've been with them for about 3 years. In the beginning, ASPCA was a real pain in the arse, they wanted documents of ALL of his medical records, problem was that he had been to 3 different veterinary doctors, and this took some work. ASPCA kept denying claims based on pre-existing conditions, and admittedly, they were pre-existing; they're not stupid, but as time went on, my dog developed more health problems, and I would pay the bill out of pocket, then submit a claim. It would take about a week, but they would pay as much as 75%.

Had coverage with them for 2 years, my dog had her first seizure a year into coverage, they covered the first visit for that ($180), she then had 2 more seizures 8 months later and those vet bills were significantly higher and they decided to deny coverage and illegally claim it as a pre-existing condition, despite covering the condition when the vet bill was only $180 eight months prior. Scam company, happy to collect your money when your pet is healthy, but will drop you as soon as you need their assistance.

Would not honor my preventive care claim. Took my dog in for a physical exam, vaccine and flea medication. They refused to pay the physical exam benefit, even though the medical records show that the exam was performed. Cancelled for being dishonest and shady. Goodbye

The fast advice was great. My dog doing well. I would recommend others to call and get advice from the vet. in an emergency. They were very kind and knowledgeable.. and acted quickly. Hope they continue their work.

I should have done more research before getting a policy with ASPCA. My experience with this company so far has been frustrating and a big let down. First off, the application process wasn't a breeze. They requested 2 years prior medical records. I found out later they use those records to nickel and dime customer claims. For example, my dog has a history of elevated liver enzymes which is a pre-existing condition. However, if my dog developed any new critical liver illnesses including hepatitis or cancer during the policy period it would not be covered even if it was a life and death emergency situation based on that pre-existing condition.

I signed up after reading reviews, comparing coverage and costs and covered reimbursement. Decided on ASPCA for both dogs. My littlest one developed a cough. He underwent xrays and echocardiogram after a murmur was heard and pray showed enlarged heart. The echo confirmed the vet's suspicion of mitral valve disease. This was 4 months ago and my dog takes 4 medications a day, twice a day. More if he develops infection.

ASPCA is a terrible pet insurance company. My pet was injured in an accident and both of her back legs stopped working. I had the accident insurance and they claimed that even though the injury was caused by an accident, it was not covered because she is a french bulldog. I went through multiple rounds of calls with them and they did not budge. Ended up cancelling with them. DO NOT RECOMMEND.

You deserve zero stars. Rachel **, badge number ** just said “come here”, rushed through explaining everything and basically forced me to donate. On further research, my donation barely helps any animals and instead goes towards someone’s salary. Ruined my day. You should be ashamed of yourselves. Try, “do you have a moment?” Next time instead of tricking someone into giving you their time.

Claims are continually denied for no reasonable reason. I submit payments, receipt and diagnosis they require and I have been denied payments totaling over $1000 + and get a run around, submitting various documents when asked. Not once have they reached out to my vet for clarification. Leaving me to pay for my policy but denying all and every claim. That is not what pet insurance is for. I feel betrayed at a time we count of giving our pets the best we can afford. I’m on SSI, retired and other companies I've used were 1000x more responsive in a positive way. We waited over a year to get another dog after homer passed. This puppy was healthy as a horse when we got him. But ASPCA left us hanging out to dry apparently.

I've submitted 2 claims over one month ago. One for 1177.00 and another for an emergency visit for 1300+. They gave me 50 dollars on the first claim (I'm paying top dollar for this insurance) and the second claim they won't complete until I provide records from BEFORE HE WAS BORN. No one has answers and no one in the company is aloud to talk to anyone who actually approves or denies the claims in the claims department. It's a scam and no one should get insurance from them.

Started with them in 2018, they have been excellent and always paid the claims quickly. This year I submitted a claim for cancer surgery on our pup and I had to submit records 5 times and our vet submitted records twice. This year it a long time to have the claim handled and it took a supervisor to get the company to acknowledge all the information was in their hands.

Refused claim due to “preexisting condition”. They wanted medical records from a year prior to my dog’s vet visit (for claim). He didn’t have a visit prior because he literally doesn’t have a preexisting condition. My dog got an ear infection and skin yeast infection after we moved from a cooler climate to a much hotter climate. There was no preexisting ear infection nor a preexisting yeast/skin infection. I’m not even sure how that could be deemed a preexisting condition. It reminds me of the stories you see about someone calling a company to report an item wasn’t received, and the rep asks for a photo. A photo of WHAT? Nothing arrived. They’ll look for any reason to deny your claim. Spot is superior and we will be going back to them after this mess.

I have had ASPCA for 6.5 years now. I have always had a good experience with them except in the beginning when my large claim was denied and I got my vet involved and threatened to get a lawyer. They paid out the claim. For 6 years I have not had an issue, they paid, sometimes a little slow, on all of my dog's claims. Fast forward to now. My dog got sick and couldn't walk, took him to a neurologist at UC Davis. They ran extensive tests and finally came up with the diagnosis of meningitis. My claim is for around 9k (I have a 20k policy) and I have not been going round and round with them for 3 months trying to get it paid.

Rates keep going up and when you file a claim there is no response. Only excuses. This is why I rather save the money for when I actually need to take my pet to the vet. No reason to keep paying pet insurance.

They used to be good, but no more. I insured my dogs for over 10 years, closer to 20. I have insured my last 2 dogs. I was very happy with the coverage with my 1st dog. I even wrote positive reviews during that time. On my most recent dog, however, they changed my deductible without my knowledge, continued to charge at the same rate & then didn’t cover my claim.

It's simply a scam. I been paying ASPCA many years for my doberman as a preventive measure for when my dog gets old and need veterinary care and what happened is that when she turned 11 the monthly payment was raised to 292.53 dollars and when she turned 12 years the monthly payment was raised to 469,86 dollars. I started years before for less than 80 dollars. I been forced to cancel the insurance before she passed away because the total amount covered was less than the cost of the year. If you are thinking to take the insurance for use it when you will need it most think it twice.

I was attracted to ASPCA by positive online reviews. My experience was was anything but positive. Customer service lacked communication, empathy, & engagement. My claims were routinely denied with no explanation. When I inquired regarding denials, I received no explanation. Customer service representatives were short and uncooperative. I had to cancel my policy to get them to tell me why I my claim was denied. I thought ASPCA was better than this. I am extremely disappointed. I now have my pet insurance with a competitor.

Such a scam. Paid out monthly for years. Had accidental coverage. My dog died suddenly and accidentally but somehow they found loopholes and ZERO compensation. Such a scam. Please do not fall for their “we’ve got you covered” nonsense.

Please save your money and go with a different company. My dog was getting older and I got him the insurance plan, the Illness and Accidents plan. I was planning to go to a new vet because the previous one told me there was nothing wrong with him besides being older, and I was convinced something was off. The new vet was a specialist and was not cheap and she ran a lot of test. She told me it would be at least 10 business days before all the results came in. I decided to file a claim on the insurance while I waited for the results. And before the results even came in, the insurance had denied reimbursement for anything on my claim. That includes the veterinary consultation, the x-rays, the MRI, the CT, the lab test, bloodwork, and IV fluids. All things that are shown to be covered in my policy.

This insurance was a complete waste of money. The monthly premiums were already high, but when my dog needed emergency surgery, they denied the claim due to a “pre-existing condition” that was never diagnosed or treated before. Their definition of “pre-existing” seems incredibly vague and unfair. I paid $5,600 for surgery and they reimbursed $100, the funniest thing I've ever dealt with. It felt like they were just looking for any excuse not to pay. If you’re considering pet insurance, steer clear of this company. It’s more hassle than help.

It takes too long to receive the refund. It has been almost 2 months and they haven't sent the money back. They are quick to charge every month but are not that quick to send me my stuff. I receive letters from them, but never received my check. Just get another insurance that does help you out.

GARBAGE. This insurance is a scam. DO NOT USE. Insurance is not even provided by ASPCA - it's a 3rd party and they will deny all claims except for "preventative" where they reimburse a small portion. SAVE YOUR MONEY. HUNDREDS of dollars in premium wasted. Complete money grab. AWFUL - STAY AWAY.

Be aware that as your pet gets older, they will raise the premium so high that there is very little benefit if any. Might be ok for a younger pet but as your pet ages setting up a pet health savings account is probably a better idea if you can swing it. I really feel like they intentionally and unfairly priced us out of the policy. After years paying premiums and never having made a claim, I'm very disappointed with how I have been treated.

My dog is getting older, and I figured she might have problems soon. She’s a rescue and has been with me for four years, and I love her to death. I went with ASPCA for her pet insurance since they seemed to offer what I wanted and needed. The price is fair in comparison to what other companies offer. It’s turned out to be pretty valuable for me, and I’m very glad I got it. My only one claim was seamless. I’ve received the 90% back that I’m supposed to get. It’s been a great experience.