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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I was a customer, but dropped them after years of paying premiums and was denied a claim that they said was allergy related and pre existing condition from when she was a pup.
4 People found this helpful.
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
4 People found this helpful.
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.
4 People found this helpful.
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.
4 People found this helpful.
I have 3 Shelties and purchased a level 2 pet insurance through ASPCA when my girls were all 2 months old. They are now all close to 13+. I have rarely used my policy as they have been well. Until summer of 2014 when one of my girls got kidney disease. Also high blood pressure. This required vet visits, IV therapy, blood work and constant blood pressure monitoring. The initial visit required in hospital stay 2 days. I submitted this claim with her diagnosis. ASPCA processed the claim. I had many more vet visits and follow up. I ran into a problem when 2 issues arose. 1. If you don't submit your claim within a certain time they will not process and pay. 2. After the calendar year and your... Read More
4 People found this helpful.
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.
4 People found this helpful.
After paid for more than 5 years, they denied my first claim, and after took more 2 months for come the appeal answer.
3 People found this helpful.
I have 3 cats and 2 dogs. I have been a member of ASPCA PET Insurance for 10 years. They are awesome. They pay really quick and always respond to my inquiries immediately. They have saved me sooo much in vet bills. I give them a 5 star rating. I recomend them to everyone I know that has pets and I will use ASPCA Pet Insurance forever. They are so reasonable and offer a variety of plans to choose from. Dyanna Pratt
3 People found this helpful.
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
3 People found this helpful.
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
3 People found this helpful.
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- Get cash back on eligible vet bills
- Coverage for accidents, illnesses & behavorial issues
- Alternative Therapies available
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