ASPCA Pet Insurance Review
29 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from this partner.
The ASPCA is a non-profit organization in the US with the mission to prevent cruelty to animals. In 2006 they began offering pet insurance policies through the Hartville Pet Insurance Group. ASPCA features customizable plans that cover 70%-90% of vet bills, and the option of unlimited coverage.
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29 Customer Comments & Reviews
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ASPCA Pet Insurance review Worst insurance company I've ever dealt with! Signed up with a low-deductible plan because I saw an ASPCA flyer with a 30-day free trial promo that said my pet cat's claims would be covered as long as I signed her up within 3 days of a vet visit. Turns out, ASPCA Pet Insurance has deliberately misleading false advertising language that they use but do not intend to honor, just so they can get you to sign up and take your money. Every single claim I submitted was rejected with the convenient "pre-existing condition" excuse with no other explanation even though my cat didn't have a pre-existing condition. Terrible/reluctant customer service and appeals process as... Read More
My dog has been on the ASPCA Pet Health Insurance for ten years. I have made monthly payments by automatic deduction from my bank account. Recently, he was diagnosed with discoid lupus and the ASPCA Pet Health Insurance refuses to pay claims for treatments which could be life long. When asked why, they said I was sent by mail six moths ago a notice to upgrade my plan. Because I have automatic payments, I rarely opened their mail so I was unaware that I had to upgrade. I have spoken with other pet health insurance providers who stated that this would never had happened with them. I encourage people to seek other plans and avoid ASPCA.
do you just use aspca name
So far all claims have not been covered. Waiting on appeals, but it doesn't look good. They find reasons to not cover ANYTHING. Also, very important to note: NO AFFILIATION WITH ASPCA AT ALL. They just pay for the right to use the name. When I chose this insurance, it was with the thought of "oh, ASPCA cares a lot about pets, I bet they will be great!". Wrong! They're just another insurance company whose primary mode of business is to take money and not give it back. An understandable business model - no other would work - but a really deceptive name. Even this very website has the wrong description. Yes, ASPCA had something to do with the formation of this insurance company, but only... Read More
I insured our rescue adult dog with ASPCA. We had her 2 years, and I finally got around to getting insurance. Unfortunately, within 2 months she was in the emergency room with stage 4 cancer (we had no idea), and we had to put her to sleep. ASPCA paid the claim, quickly, and without question, and even gave us a condolence call. We just adopted a puppy and will be insuring her with ASPCA.
It is cruel to any animal with needed medical to wait months for treatments already too high, yet u r suppose to be leaders in this field for animals, especially dogs. This is ludicrous. In the mean time paying every month. Many salary levels camnot pay. So animals need help, suffer due to high billing. Some never helped due to wrong diagnosis, constant re charged for follow ups, for same problems paid for. Over 16,000$ for one dog, never recovered from surgeries, meds given, improper treatment. Now blind after a seem like new, no sympathy vet prescribed eye drops for wrong problem. She still suffers now greatly, but too much attitude in her to let her be murdered. When she should have... Read More
This has to be the worst company I have ever dealt with in my life. I have had this pet insurance for 10 years and never used it on my 18 year old cat, who is now dying. Last November of 2016, Lucy began to have a kidney problem. I took her to the Vet and am now treating her, and thank god she is still with me. She has been a loyal animal, and I want to keep her going as long as I can. Yesterday I contacted the ASPCA Pet Insurance company about a prior claim and they grotesquely told me Lucy was no longer covered for her kidney disease. That when my plan turned over in March of 2017, Lucy was no longer covered, as NOW she has a preexisting illness. I never used a claim on her ever until I... Read More
Worst pet insurance ever every claim you make they don't cover
On the anniversary of your policy, any illnesses you pet had during the past year becomes a pre-existing condition. Therefore, they no longer cover an illness they have been covering. Example: your pet is injured two weeks before the policy anniversary date and requires 6 weeks of care. ASPCA Pet Insurance will only cover the claims for the first two weeks. On the anniversary date, the remaining 4 weeks of care are considered pre-existing. I call this a rip-off. When asked about pre-existing conditions, ASPCA did not state this policy. I should not have trusted the rep and I should have read the fine print. There are other Pet Insurance companies that would continue payment of claims... Read More
Terms are completely misrepresented in the paperwork. States preexisting medical conditions are not covered which is fine. This would include a DIAGNOSED medical condition. I took my cat to the vet with symptoms (still Undiagnosed) claim denied! They only collect $$$$
- Per-condition payout limit, but no total cap on payouts.
- Reimbursement on benefit schedule (not actual bill)
- Annual benefits limited to $3.5k/yr
- Annual deductible & wellness available