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ASPCA Pet Health Insurance Review

Reviews 5,198
ASPCA Pet Health Insurance
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ASPCA Pet Health Insurance
ASPCA Pet Health Insurance
Great
Reviews 5,198
Jacob Parker
Jun. 25, 2023
2 min read
Jacob Parker
ASPCA Pet Health Insurance Summary
ASPCA® Pet Health Insurance plans are offered by PTZ Insurance Agency, Ltd. with the same devotion to caring for animals that has defined the efforts of The Society for the Prevention of Cruelty to Animals® (ASPCA®). PTZ Insurance Agency, Ltd. markets the company’s products directly to consumers, through veterinary practices, and to employers, associations, and brokers.

Pros

  • Discounts for multiple pets
  • Preventative care options
  • Up to 90% of costs covered

Cons

  • Pregnancy-related costs excluded
  • Not a direct underwriter

ASPCA Pet Health Insurance at a glance

8.0
Editorial score

Online experience

Great site with learning resources
8.0

Customizable rates and services

Customizable plans and rates, 70-90% reimbursement No upper age limit
10.0

Claims payout waiting period

Within 30 days
6.0

Customer support

Evening and weekend customer service available
6.0

Bundles

Multi-pet and multi-policy bundles available
10.0

ASPCA Pet Health Insurance ASPCA Pet Health Insurance Visit Site

What’s Covered? 

Depending on the specific plan you go for, The ASPCA Pet Health Insurance Program will cover the cost of a variety of treatments for your furry friends. If you go for the highest level of coverage offered by this provider, costs relating to accidents, illnesses, and behavioral problems will be covered. 

The ASPCA Pet Health Insurance Program even pays out for alternative therapies and congenital condition-related costs. What’s more, if you select the right add-on to your plan, the company will also cover preventative care services.

Insurance Plans & Pricing

The ASPCA Pet Health Insurance Program’s pricing system is relatively straightforward. There are two basic plans to choose from as well as a handful of preventative care add-on packages. Whichever one you opt for, it’ll cost less if you pay upfront for a year because The ASPCA Pet Health Insurance Program adds on a $2 transaction fee to monthly bills.

Accident-Only

The cheapest ASPCA Pet Health Insurance plan is the Accident-Only Coverage package. Depending on your pet’s characteristics, like breed and age, and the deductible, coverage limit, and reimbursement levels you select, this plan could cost as little as $14 per month.

Complete Coverage

Customers looking for additional peace of mind might want to select ASPCA Pet Health Insurance’s Complete Coverage package. Besides accidents, the Complete Coverage plan will pay out for costs incurred due to illness, behavioral issues, and more. 

If needed to treat a covered condition, the Complete Coverage package can even be used to pay for prescription foods and supplements. The ASPCA Pet Health Insurance Program quoted us $26.97 per month to cover our three-year-old medium-sized mutt, with a low coverage limit and a $500 deductible, under the Complete Coverage plan.

Preventative Care

For $9.95 per month, you can add Basic Preventative Care package to your Accident-Only or Complete Coverage plan. Doing so will get you a total of $250 worth of annual benefits to go towards things such as a rabies vaccine, deworming, and wellness exams.

Also available is a $24.95 per month Prime Preventative Care plan which bumps your benefits up to $450 annually and adds coverage for flea prevention treatments and blood tests.

What's Not Covered

Even with The ASPCA Pet Health Insurance Program’s Complete Coverage subscription, some costs won’t be covered. Pre-existing conditions, cosmetic procedures, and breeding costs are all excluded from this provider’s plans.

Waiting Periods

Once you enroll your pet in an ASPCA Pet Health Insurance plan, you’ll have to wait at least 14 days before the policy kicks in and your costs begin to be covered by the service. Claims and reimbursements are processed by the ASPCA Pet Health Insurance Program within 30 days or less.

Coverage Limits

When configuring your plan, you’ll need to choose a coverage limit between $3,000 and $10,000. This is an annual cap that gets reset on the anniversary of your subscription.

Reimbursement and Deductibles

The ASPCA Pet Health Insurance Program reimburses 70% to 90% of costs for covered treatments and deductibles of $100, $250, and $500 are on offer. For example, if you were to opt for a $250 deductible with an 80% reimbursement rate, and then incurred $1,000 of treatment costs in the first year of your plan, you’d end up being paid back $600.

Claims and Service

All you have to do to submit a claim with The ASPCA Pet Health Insurance Program is log in through the company’s mobile app, write a summary detailing your expenses, and attach a picture of your invoice.

The ASPCA Pet Health Insurance Program’s customer service team is available during standard ET business hours. You can get in touch over the phone or via email.

What You Might Like

Even though The ASPCA Pet Health Insurance Program’s insurance is technically underwritten by Independence American Insurance Company (NAIC #26581), by taking out coverage with this provider, you’ll be contributing to a reputable humane charity.

What ASPCA Could do Better

Although many previous customers report having positive experiences with The ASPCA Pet Health Insurance Program’s pet insurance service, others complain of justified claims being rejected and long waits for reimbursements.

Contact Details and Address

You can get in touch with The ASPCA Pet Health Insurance Program’s customer service team by calling 1-(866)-204-6764 or emailing cservice@aspcapetinsurance.com

PTZ Insurance Agency, Ltd. Domiciled in Illinois with offices at 

1208 Massillon Road, Suite G200

Akron, Ohio 44206.

How ASPCA Pet Health Insurance Compares


ASPCAPumpkin
Waiting period14 days14 days
Reimbursement rate70% to 90%90%
Annual deductible$100 to $500$100 to $500
Coverage limit$3,000 to $10,000$7,000 or $15,000 for cats,
$10,000 or $20,000 for dogs

Bottom Line

The ASPCA Pet Health Insurance Program can help you to feel confident that you’ll be able to afford unforeseen costs related to your pet’s health while supporting an important nationwide humane society.

Methodology

To evaluate The ASPCA Pet Health Insurance Program’s services, we explored the company’s website, requested quotes, and researched the experiences of previous customers via review aggregation services.

ASPCA Pet Health Insurance ASPCA Pet Health Insurance Visit Site

Disclosure

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive and Wellness Care reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Levels 1-4 reimbursements are based on usual and customary eligible costs. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

The ASPCA is not an insurer and is not engaged in the business of insurance. Insurance products are underwritten by Independence American Insurance Company (NAIC #26581. A Delaware insurance company headquartered located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254). Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).

Jacob Parker
Written by
Jacob Parker
Jacob Parker is a financial and technology writer. With a background in climate science, he's deeply interested in the intersection of fintech and sustainability and has a passion for impact investing and ESG research. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about ASPCA Pet Health Insurance
ASPCA Pet Health Insurance
Great
Reviews 5,198
on
Excellent
73%
Great
11%
Average
5%
Poor
3%
Bad
8%
A
alexandra millien
21 hours ago
Like the info as a new pet owner!!
Like the info as a new pet owner!!
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helen sanders
a day ago
I don't understand how they determine how much you get back from a claim.
What I don't understand is from a bill for $502 I only get $90 back. Is it because I only have Basic in Wellness. How can I lower my Annual Deductible if that will help. I pay $65.37 every month for two dogs. That is $784.44 a year and this is the first time I sent in a claim for just regular check-up and shots and my dogs have been covered since 2020. Help, this is very expensive for a low income person. And why the delay in Duchess'. She was in for the regular check-up and shots
L
linda devoe
a day ago
Doggie Insurance
Quick and easy informative price was right not to expensive for what I wanted
D
donna
2 days ago
Insure your pup now!
Online registration is easy and if you decide to make changes or corrections they’re just a phone call away. Excellent care plans; rules are very clearly stated. Be sure to insure your pet BEFORE it’s needed. I waited to join until after my small 3 year old dog needed CCL surgery ($5000). My dog’s surgeon told me if she’d had insurance it would have been covered, but now since she’s had this type surgery, it would not be covered again even if was her other leg (and there’s a good chance she will need it again). I’m kicking myself…that $5000 I spent would have covered a lifetime of premiums!
W
william villarreal
2 days ago
Abcd
Abcdefhhikk
L
lisa michael
2 days ago
I thought the guidelines regarding…
I thought the guidelines regarding coverage were broken down to make the decision and buying of coverage easier than some of the other competitors.
R
robin vick
2 days ago
Policy not fully implemented as of yet
We really cant review ASPCA for claim service as of yet. We have only just begun or policy and no claims have been made. However we can say that the different policy options were presented in such a way as to make key elements remarkably easy to compare, allowing us to evaluate the best options for our new doggie’s age and likely care needs.
S
sarah wise
2 days ago
Seems to be good insurance
Seems to be good insurance
J
jens bisgaard
2 days ago
Review
It was easy to sign up to get Bentley insured. Only one thing not cleared to me if the monthly payments are automatically charged to my credit card? Please let me know.
M
mike grenier
3 days ago
Exemplary customers service.
Exemplary customers service.
J
jay
3 days ago
This insurance is horrible,scam
This insurance is horrible. They will claim anything and everything possible is a preexisting condition. For example, my dog had allergy shots for her allergies as a preexisting condition to the plan. Later on she got ear infections. They claim, against my vet's guidance, that the ear infections are directly related to the allergies and therefore not covered. It's a scam. You can try and file a complaint but don't hear anything back. If I had more resources I would sue them.
B
bridget smallwood-hurdle
3 days ago
The time it takes to approve a claim is…
The time it takes to approve a claim is unacceptable!
A
ana sosa
5 days ago
Necesito que se me cancele la membresía…
Necesito que se me cancele la membresía de 56 dólares porque no pobre entrar a la cuenta
S
steven p. robak
5 days ago
Easy to sign up our dog for insurance!
Easy to sign up our dog for insurance!
J
jane
6 days ago
I can’t
I can’t register because my email doesn’t match my account #
L
lorraine banks
6 days ago
I'm sorry
I'm sorry. Wrong button.
m
mary discuillo
6 days ago
Very helpful assistance on the phone…
Very helpful assistance on the phone since I did have trouble w website and creating acct.
D
denise correa
6 days ago
Well
Well, I got my first Yorky and I want him to have the best insurance so I believe I made the right choice
L
leanna
7 days ago
impossible to speak to somebody…
impossible to speak to somebody Customer Service Wise
J
jessica holz
7 days ago
I have had ASPCA insurance for my dog…
I have had ASPCA insurance for my dog for years. They have been easy to work with and pay his claims in a timely manner.
M
miranda strittmatter
7 days ago
I wanted to have preventive care
I wanted to have preventive care. Didn’t give me the option. I have tried reaching out to add it and no one has gotten back to me
T
tom biko
7 days ago
When my claim was admitted they took…
When my claim was admitted they took care of business with in a reasonable time
d
david tourlier
7 days ago
Not yet need to use it
Not yet need to use it. But online subscription is easy and clear.
c
customer
7 days ago
Service delivered as promised
Service delivered as promised
B
barbara williams
7 days ago
Easy transaction
All options were explained and it made the decision process easy. Help was provided as needed when I had questions. The transaction was simple and to the point.
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leah drexler
7 days ago
Look elsewhere.
I paid my payment every month. Submitted a claim. They asked for all my dogs records. I gave it to them. The bill was way over my deductible and was not a regular visit so they should have paid. It took over a month for the claim and they denied it. Do your self a favor and look somewhere else!
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jonathan scalisi
8 days ago
Claim Queued…
Submitted a claim on the 19th and I’ve noticed it’s still queued ten days later. ASPCA has not provided me with any communication.
C
ck
9 days ago
Trying to submit a claim is a terrible experience
Trying to submit claiim via the only possible way to do so and after completing ALL of the required steps i hit submit and it starts buffering with "please wait" message.. indefinitely. Screen is not frozen it just buffers continuously until i eventually exit the app after 20 minutes. I did this 3 separate times. I saved the claim and when i log back in and hit sumbit it does it again.
D
debra steward
9 days ago
Satisfied customer
Your website is good but required me to call to get somethings clarified. It was somewhat difficult for this 68 year old navigate. The person I got on the phone was great and able to answer my questions.
C
celena lopriore
9 days ago
Wonderful professional experience from…
Wonderful professional experience from this company. Excellent and caring.
P
pam dolan
9 days ago
I have not used this yet so I can’t…
I have not used this yet so I can’t give my opinion
D
debbie bauer
9 days ago
Easy transition
Easy transition
T
td
9 days ago
Easy
Easy to understand and file claims as well as choosing which level of insurance to buy
M
madeleine buisseret
9 days ago
Overall it's a good website
Overall it's a good website, but one frustration is I cannot figure out how to add my cats' vet to my profile! I even got an email with a link asking me to do it, but there's no clear way to add it.
C
cynthia caywood
9 days ago
I couldn't get anyone to answer when I…
I couldn't get anyone to answer when I called with some questions.
C
claudia diaz
9 days ago
Great Costumer Service
Great Costumer Service
J
jeremy sisam
9 days ago
Convenient
Easy to sign up for.
J
jennifer potestio
12 days ago
Great pet insurance and customer…
Great pet insurance and customer service!
C
clinton cagle
13 days ago
The application process was simple.
The application process was simple and easy to understand. Very straight forward. No they didn't have all the bells and whistles, but neither did they nag me several times a day for weeks.
S
steve fitzmaurice
13 days ago
So far, so sort of good
I'm assuming this will be worthwhile pet insurance. The ASPCA name is a great start. One problem is that somehow the zip code you have for me is wrong. As a result, I haven't been able to register. I sent an email about this but haven't heard back. Hopefully this gets resolved soon.
L
lynne. a pounds
13 days ago
Totally difficult to speak to a live Customer Service Representative
Totally difficult to speak to a live customer service representative; automatic response does not provide enough viable options; you need more live customer service reps; However, I love the coverage and cost of my fur baby's insurance package; the process to speak to somone is to get specific information is difficult;
C
cody gumeringer
14 days ago
Processing times take way too long in…
Processing times take way too long in my opinion.
L
lori
14 days ago
Could be better
I think more services and vaccines should be covered preventative.
J
jennifer
14 days ago
Didn’t work for me.
Every time I put in a claim the dates don’t work -making my claim unable to submit it
S
susan brady
14 days ago
Very helpful customer service reps
Very helpful customer service reps. Prompt response to claims.
G
guestpersonalreflexion
14 days ago
Mostly my experience is good
Mostly my experience is good, the insurance pay back is slower than it use to be !!!!
V
vic longtin
15 days ago
I really wish I could give ASPCA 5…
I really wish I could give ASPCA 5 stars. Upon having to start a new policy for my dog, they stated his major health conditions wouldn’t be covered anymore, even though I’ve only had ASPCA Pet Insurance since he was a puppy (my policy has been inactive for less than a month). This is really disappointing, especially since I’ve recommended so many people to their plan. Both representatives I spoke with shrugged me off stating there was nothing that could be done. I really didn’t think ASPCA was like the rest of the generic, heartless, plan companies, but I was wrong.
C
carolyn crutcher
15 days ago
I bought pet insurance for a new puppy.
I had a great experience, thank you so much for all your help.
L
lucy lam
16 days ago
Very easy to enroll
Easy and price is better than other pet insurance
J
jaime gutierrez
16 days ago
Insurance review
I just recently signed up for the insurance. It was very easy to sign up. Other than that, I have no other comment or concerns.
consumer-image
dana todd
16 days ago
Getting started
I just started so I don't have much To go on other than I would like to have some information on my insurance in paper form.
D
david hronek
16 days ago
Best Decision Ever!
It was such an easy process to sign up and a great selection of plans to choose from. I'm paying half of my previous plan that just covered wellness. I get both Wellness and accident coverage.
c
carl
16 days ago
put in a claim 2 weeks ago and still…
put in a claim 2 weeks ago and still sitting in the que. slow reimbursement.
R
rebecca fox
16 days ago
The initial submitting of a claim was…
The initial submitting of a claim was fairly easy, but the process itself is taking longer than expected.
P
patricia schuman
16 days ago
Honesty and good customer service
Honesty and good customer service
D
dawn birchenough
16 days ago
Happy Dog Mom
As a new customer, I appreciate your communications and the excellent wellness coverage for my two Border Collies, Zeke & Abbie!
consumer-image
graham deegan
16 days ago
IDK yet, The website and options are user friendly
I get my puppy on 12/08, this is my 1st time setting up for pet insurance, spoke with other pet owners at work, and many don't have pet insurance. With that said looking at all the programs $$$ this set-up is very reasonable in price and the Local Vet that I have selected was on the ASPCA list of vets, The site was interactive I could select the levels of $$$ and the different options and the site re-calculated So I can see what $$ vs coverage ..
N
nannette chatelaine
16 days ago
Very easy to sign up
Very easy yo sign up
T
tae b.
16 days ago
I love the coverage but…
I use ASPCA pet insurance for my puppy at Heart and Paw, but unfortunately, I couldn't add it. Additionally, I would appreciate more detailed and thorough updates on the claim statuses.
D
dr. elise voltura
16 days ago
Other Horse
Very helpful getting our other horse set up.
A
annette stanford
16 days ago
Everything is great 👍
Everything is great 👍
b
brittlesscomcast.net
16 days ago
Easy
I liked the ease of singing my cat up for the insurance.
R
robert marchegiani
16 days ago
Great coverage
Easy to join
M
michael
17 days ago
Better check the fine print!
I read all the great reviews so I was eager to enroll. My dogs are completely healthy but needed their annual checkup/shots and a dental cleaning. I pay $186 a month for my pets and that is taken out immediately from my account without delay, but when it comes to reviewing a claim it has taken almost 3 weeks before ASPCA even looked at it. Now they want a complete history of my pets. I could understand if they are checking for pre-existing conditions, but this claim applies only to the add on benefit of annual shots, teeth cleaning, standard checkup, etc. it has nothing to do with a potential previous health condition plus they are completely healthy. Now after three weeks ASPCA can no longer process my claim without obtaining previous medical records. My pets are not injured or sick so why is the claim on hold??? Also… if you paid for premium services when your pet is seen by a Veterinarian, but then decide to go to a less expensive plan, the entire previous claim made under the premium plan will be applied to the new less coverage plan even though you paid for premium services during your pets visit. Lastly, if you are not satisfied and want to choose a different provider or just cancel a policy, there is no online option and you must contact customer service by email. This tells me they will do everything they can to delay termination of a contract. Who knows how long a response will take… Im sure it will be delayed until after your next premium is deducted..To cancel you also have to provide a reason for canceling…it’s none of their business! If I want to cancel and stop the auto deduction from my credit card or bank it should be straight forward and easy. Others may be happy with this service but I see this as just another big “non profit” scam to separate you from your money without providing quality service.
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kelly chambers
17 days ago
Prompt processing of claims
I had over $1200 in claims for one illness for my Jack. This company paid my claims quickly alleviating additional stress. I am very pleased and highly recommend Aspca.
C
cheryl price
17 days ago
Best overall price for services
Best overall price for services I wanted
A
anna
19 days ago
I have been very pleased with this company
I have very pleased with this company, been with them for many years and have 4 pets on polcy. One of them our Isabella recently passed away sadly and this company was great covering all her claims for extended illneses, I would not have been able to afford her care if not. Premiums are expensive but you never doubt tha they will cover all claims. Highly recommend to all pet owners and start covering from young age and stay with same policy. Thank you ASPCA for always beeing there for my sweet Isabella.
C
cori jefferson
20 days ago
Family
Thanks for letting us explore
T
tina jefferies
21 days ago
The easy of picking a plan
The easy of picking a plan. The coverage for my cats
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nicole escobar
21 days ago
NEVER COVERED ANYTHING AND TAKES…
NEVER COVERED ANYTHING AND TAKES FOREVER TO GET A RESPONSE BACK. WE'RE REALLY DISSAPOINTED.
L
linda wallace
21 days ago
Easy application and to the specifics…Trust worthy.
Easy application and to the specifics of the policy.
D
dawn s
21 days ago
I had never purchased pet insurance…
I had never purchased pet insurance before and this website was clear and easy to navigate. The options offered were a fair price as well.
C
chelsea crawford
21 days ago
Customer Centered
Claims process is easy - don’t feel like each claim is challenged or picked apart. Even when Premiums increased (understandable with inflation though not ideal) I proactively received a phone call informing me of the change and my options. Overall, with a doggy who has allergies and needs near monthly shots and other medical care, I’m super happy with ASPCA insurance.
D
denise owen
22 days ago
have not used it yet this is my first…
have not used it yet this is my first month having the service
C
caroline
16 days ago
Lack of communication and time it is taking
My claim has sat in limbo for 30 days and not until I called did they tell me that I needed to send more things in. My vet sent all records in 10 days ago and it was not until I called that it was attached to my account. Then I was also informed verbally (nothing written on the account or requested from my vet) that additional pictures of the invoice were needed. I am a vet and recommend this insurance all the time, feeling very frustrated by the lack of communication and time this is taking. I will be thinking twice about recommending this again. UPDATE: They have now declined to cover one of my claims due to lack of information. This has now been 3 times sitting on hold and dealing with customer service for 30 minutes and being told I am all set, yet days later after I look into it realizing I am not all set. I don't understand the lack of communication in all departments and will absolutely no longer be suggesting this insurance.
B
brian dann
22 days ago
I wouldn’t of even given them a one…
I wouldn’t of even given them a one after what they did to me🤬 my policy started sept 30th I had to wait 14 days after! I took my dog to the vet on October 25th they asked me what was going on I was honest and said he was drinking a lot of water in September he was physically diagnosed October 25th for diabetes they claim that he has had a pre existing condition because I said he was drinking a lot of water I’m so upset I’m out 1200 dollars because I made a statement sucks to be honest don’t use them please don’t
L
lillian durham
23 days ago
There are occasions when there is a…
There are occasions when there is a protracted time to process claims.
M
m a
23 days ago
Insu
Prompt reply
c
christine binkowki
23 days ago
Easy to understand variances in…
Easy to understand variances in different levels of insurance coverages.
S
sharon bertoli
23 days ago
Did a lot of research on the best plan…
Did a lot of research on the best plan for my pup. Your company outshined all others!
S
suzanne d
23 days ago
Very good so far
Very good so far, but I have not had to use it yet.
T
tami davis speer
23 days ago
Great company.
Great company.
S
stop e
23 days ago
Easy to use and friendly for the pets
Easy to use and friendly for the pets. Would recommend 10/10
E
eb
23 days ago
Too many emails
The enrollment process was very smooth, but I have been getting unnecessary emails daily and do not appreciate that.
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dale bouchard abdow
23 days ago
Takes too long for them to review…
Takes too long for them to review claims and payout.
K
kristen t.
23 days ago
Excellent company to work with.
Excellent company to work with.
T
tommy henderson
23 days ago
Easy setup.
Easy setup.
G
gregory walsh
23 days ago
Online application process was simple…
Online application process was simple and effective. Coverage details were clear along with pricing. I feel relieved to know we have insurance protection for major expenses.
E
emma s.
25 days ago
Run, Do Not Look Back, Full of Excuses.
This is the first time I had to go back to a business I deemed was an A+, and gave them an F. What is going on with ASPCA Pet Health Insurance, when we the customers entrust our money to you, to insure our furry friends. We expect the policy you set in place to work in times of service. Even after our payments have been utilized by you, and we pay out of pocket to get the service you offer, you lag and make up excuses to not pay your part of the contract. It is unlawful to scam clients, specifically those who are our furry friends, and the owners who entrust you to insure them. Shame on you. You should close down your services as a pet health insurance for our animals, and go into another crooked business. I take back the nice comments I made to help others come to your company, after waiting over a month to get my first, and last, claim NOT PAID, by ASPCA. Karma does have a way of coming back to you. Hopefully, if anyone reads my response they will run to the hills, and not get taken by this fake, disrespectful, lying company. Do not give them business, and then they can find another way to steal, and not from those of us who entrusted our sweet pets to their non-services. After over 39 Days, since my claim was received, to not be paid for the covered services, is ridiculous. I take pride in giving worthy, truthful, comments, and ASPCA Pet Health Insurance, FAILED. Hope this review will be useful to the next client, who should not make the mistake I did, in trusting this company.
H
hillary
a month ago
It's a scam...I have four pets on this insurance…
I have four pets on this insurance plan. I have the accident and illness plan. So far, not a single claim for any of the 3 pets for whom I have submitted claims has received any reimbursement. Originally, the explanation was that the Vet had not heard back from the veterinarian. This was for three different veterinarians. So, the FAQs say to submit medical records. I submitted all of their medical records and then all of their regular bills so the insurance company would have the entire picture of each pet. Now, the excuse for not reimbursing a dime for any of the pets for any of their claims is "other exclusions apply". I am quite disappointed that I have spent so much money, thinking my 4 pets were covered. Our pets are a young dog, middle aged dog, and two middle aged cats. The claims have run from injured leg, skin infections, and illness. Nothing has been covered. One of our dogs just had surgery for an injury. I'll submit it, with no expectation of reimbursement, like the other claims we've submitted. I am currently on the search for a real insurance company. I am so disappointed that the SPCA would be affiliated with such a company.
S
sayre
a month ago
ASPCA Pet Insurance is always responsive and efficient
ASPCA Pet Insurance responded quickly and efficiently to my claim, as it always has in the past. The coverage is excellent and so is the customer service.
S
sharon pfeiffer
a month ago
honest
honest, clear and seems like claims will be received and processed efficiently
K
kaelan marks
a month ago
good and cheap coverage
good and cheap coverage
J
juanita gonzales
a month ago
I will only give them a "1 STAR" I have…
I will only give them a "1 STAR" I have NOT had A GOOD EXERIENCE with ASPCA on my Claim reimbursement and their app is not user friendly to type anything regarding your claim. This is very frustrating even after I emailed them invoices, they are requiring much more stuff that does not make sense. I feel they are just trying to buy time to deny my claim. I will cancel and look elsewhere for insurance for my furbaby Ms. Felix.
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customer
a month ago
Very Confusing Coverage
Very confusing coverage. Had Complete coverage and Preventive Care Basics for two cats. Took both to vet for annual wellness visit, which is reimbursed under the Preventive Care Basics plan. One cat had a tender knee when vet touched him, asked us if he had been acting differently. Nothing outstanding but we had noticed he walked down stairs and played differently as if protecting his left back leg. As a result of that visit, we were denied reimbursement because the Vet found an issue during his annual preventative visit. ASPCA or underwriter stated because the vet found an issue the appointment changed from annual visit to Complete coverage and deductible applies, regardless of the fact the receipt proves his appointment was an annual wellness visit. There are too many pet insurance companies to fight about claims with one. I pay around $80.00 a month for both cats. The office visit was $70.00. We should have been reimbursed $50.00 for office visit but was denied.
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deborah
a month ago
I was looking for a company that fit my…
I was looking for a company that fit my budget. This worked best
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linda
a month ago
They’re for you when you need help.
Without this insurance I may not have been able to afford the help my pet needed.
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robert paterson
a month ago
Absolutely terrible
Absolutely terrible, make you file a claim to get reimbursed so everything comes out of pocket initially but then they make it very difficult to reimburse you, even for the most basic of services, they wanted medical records for our pup when he wasn’t even born yet. These guys suck.
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patrick james
a month ago
Newbie
Haven't used anything yet so on reputation I'll go with a 4 *
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lashawda whitehead
a month ago
I wasn’t able to take my pet to the…
I wasn’t able to take my pet to the emergency room because I did t have the funds and the point of me getting the insurance was for the help