ASPCA Pet Health Insurance
62 Customer Comments & Reviews - see all comments
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The ASPCA is a non-profit organization in the US with the mission to prevent cruelty to animals.
In 2006, as part of a strategic partnership with the ASPCA®, C&F Insurance Agency, Inc. launched ASPCA® Pet Health Insurance.
The agency is based in Akron, Ohio, and was founded in 1997, making it the second oldest pet insurance provider in the United States.
Products are underwritten by the United States Fire Insurance Company, which has an A.M. Best Insurance rating of A (Excellent).
ASPCA Pet Health Insurance program features customizable plans that reimburse 70%-90% of covered vet bills, and the option of an unlimited annual coverage limit.
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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.
146 People found this helpful.
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
110 People found this helpful.
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
86 People found this helpful.
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
68 People found this helpful.
I've been paying this policy for years. My dog is 11 and has always been healthy. I keep the policy in case of a catastrophic illness or injury. Now she has had a minor acute illness and I am trying to submit a claim. The app doesn't recognize my account number and when I call the main or claims phone numbers they are closed "due to inclimate weather." This is June; the weather channel says it's a beautiful, hot day in Akron, Ohio.
58 People found this helpful.
I have been faithfully trying to keep my dog alive and happy since his terminal adrenal gland cancer diagnosis last fall. The vet visits and chemo prescriptions are very expensive and the ASPCA $3,000 per incident coverage limit, while helpful, only covers a portion of the costs. We have been paying into our policy for nearly 9 years, ever since we rescued our pup. Now I have just been told that his coverage will go DOWN for his "ongoing condition" once the year re-sets on September 1. Yeah, let that sink in a second. It's not a pre-existing condition, it's an "ongoing condition" for which we are only entitled $1,000 in reimbursement going forward. What sense does this make? A... Read More
53 People found this helpful.
I was a customer but when I was told my claim (which was for a wellness visit) would take 4-6 weeks to receive payment...I cancelled! I was told it was due to high volume...which was not my problem! Then I got $8.68 which is not the difference 66-54 does not equal $8.68. So I would not recommend them. They were not honest with me! I would not give them one star if I could keep from it!
46 People found this helpful.
Worst pet insurance ever every claim you make they don't cover
41 People found this helpful.
I filed a claim for surgery performed on our dog Mambo on 11/2/2018. The surgery was to remove stones in his bladder. The claim was denied as pre-existing. My policy states: "A condition will no longer be considered pre-existing if your pet's condition has been cured and free from treatment and symptoms for a period of 180days". Our dog has no other medical history for the last 12 months, which his medical records show. Our vet has provided the following letter to the insurance company: "To Whom it May Concern - XXXXXX, 12y MN havanese, has been under our care here at XXXXX Veterinary Clinic since September 2017. He presented for inappropriate urination signs, and during workup it was... Read More
34 People found this helpful.
I have had this insurance for many years for my dog. It started off great. Claims were paid within 2 weeks, many times in under a week. Now, I can't seem to get them to pay a claim. The last claim I have is now going on a month long with it still "processing". Last week I called and they said they were waiting on information from my vet. Well I called my vet that day and they sent it over with me on the phone. Now, Three business days later, it is still in processing. How long after you the information you were waiting on does it take to finalize the claim? I called again today and I got told they were dealing with a lot of claims and it is taking longer and that it could take up to 30... Read More
34 People found this helpful.
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