ASPCA Pet Insurance Review
26 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 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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26 Customer Comments & Reviews
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I have coverage with them for about a year. my dog got cancer and they did not cover the surgery she needed. Since then, theyve also raised my premiums and give no reason as to why.
To get a claim done takes 3-5 months. I had this insurance for 7 years. I paid around $100 monthly for level 4. My dog got cancer. They did not paid my claim for surgery. Don't be confused by SPCA name. This is not SPCA.
I was a loyal customer for 6 years, filing only two claims during that period. When I did file claims, I was receiving 15-18% of the actual cost incurred, as they only payout for their estimated costs. By the end of the 6th year, my plan had increased by 100% from the original price, and over 33% in just one year. At the end of the day, I spent 2,000 - 3,000 more on the insurance plan, then if I paid out of pocket. Scam.
This is totally a rip-off -- put your premiums in a savings account. Insurance is supposed to collect premiums from many people, and then help pay large expenses for the few people that need them. ASPCA insurance does everything it can to pay virtually nothing. We have been paying for level-3 insurance (i.e. one of their better plans) for 9 years, costing thousands of dollars. This insurance has been useless for both the many "smaller" medical bills ( $200-$500) that we've had over the years, AND the large bill we just had. I was OK overlooking the "small" ones, assuming they would actually pay up when a big expense came. The do not. Between the deductibles, fee limits, and... Read More
Never would I recommend anyone to take this insurance. My vet charges the lowest prices in my area and they continuously came back saying that the allowed amount was always "just a tad" lower than what my vet charged. It's nonsense. My dog was diagnosed with lymphoma 1 week before out yearly policy was up. When we renewed they gladly took my money but then told me they could not pay out any more claims for my dog until she was well for 6months. Dogs who are diagnosed with lymphoma will never "be well" again. On top of the usual insurance company issues, their phone reps are rude and tight lipped.
Most heartless and greedy pet insurance in existence. My dog had a stomach virus causing him to vomit and poop constantly to the point he was so dehydrated he could barely move. He had a fever of 103 and had to be put on special food and medication. They linked this to puppy poops from puppy food he had several months prior. These people will do everything in their power not to help you DO NOT pick them for insurance they will fuck you when you need them most.
Horrible customer service, when speaking about claims not referring to a pre-existing condition, it was always answered as either we never got it or it has to do with her pre-existing condition
The fine print states when renewing, you are starting as if a brand new policy. If anything was wrong prior to anniversary date it is considered pre-existing. DO NOT PURCHASE THIS INSURANCE. There are so many much, much better. Even though I asked and read the policy when purchasing 8 years ago, it was not clear to me about pre-existing rules. Pay the same thing with other insurances and if your pet gets sick while under the policy they are always covered as long as you pay the premium.
I was already pleased with the ease of filing claims with this company. The process is simple and, if your plan covers it and you have met your annual deductible, you receive your benefit very quickly. When one of my boys had to be euthanized last week, I made a very difficult phone call to ask a couple of questions regarding a final claim and to terminate his coverage. Yesterday, I received a sympathy card with a hand-written and personal note that even included our other dog's name. I am so moved and beyond impressed by such a touching gesture from an insurance company. This was unexpected and so very kind. This is how you know you've picked the right one.
I give this insurance a poor rating. This is what happened to me: I bought the fancy Level 4 plan with a $7000 annual maximum. About $900/year. Plan period runs January 1-January 1. On December 14, my dog presented with severe anemia. The vet did some tests, with no causation, and sent me to a specialist who did additional tests-no causation. Her anemia is worsening. Now, at the very end of the year, the specialist recommends a bone marrow aspiration, at the cost of about $1200. It is scheduled for the following week, first week of January. It turns out she has an autoimmune disease, and now is being treated successfully. My $1200 claim is DENIED. Why? "Any illness... Read More