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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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Customer Comments
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ASPCA Pet Insurance is garbage. I've had them for 10 years & they haven't covered any of her major surgeries. Their definition of "PREEXISTING" is incredibly SKETCHY (as stated above): "when [my policy] renew[ed] each year, any condition [my dog] suffered from in the previous year [was] then deemed a pre-existing condition and [was] not covered."
2 People found this helpful.
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
2 People found this helpful.
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
2 People found this helpful.
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 $$$$
2 People found this helpful.
We have always been paid quickly for small amounts $$ as our dog has been healthy. She is now 11. We joined ASPCA when Lily was 11 weeks old. Lily has now developed diabetes and has been hospitalized. We submitted a claim for $2000 + and have been waiting for approval. We have a $3000 per incident max. $8000 total per year max. It seems that if an emergency that is expensive arises with your loved pet, ASPCA, is difficult to deal with. I have been calling for 2 weeks and have received excuse after excuse as to why we have not been paid. I have had to appeal a recent claim for $277 because ASPCA coded it as a Wellness Vet visit and still have not been paid I suggest to... Read More
2 People found this helpful.
I was all set to buy their "Complete Coverage" for my new pup. I was ok with the price, deductible etc since it was Complete coverage. But as soon as I pressed the Select button, up pops a screen asking me if I want to add Preventative care coverage which would increase the monthly cost. What? I guess Complete coverage isn't so complete. After seeing that B.S. I decided against the insurance and furthermore realized it was a good move especially after I read all the negative reviews. Finally, read the small print. The insurance is not from the ASPCA. They are only paid a fee for the use of their name. The insurance is from another insurance company- and we all know how much insurance... Read More
2 People found this helpful.
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.
2 People found this helpful.
The insurance itself isn't so bad until the time comes to submit a real claim that will cost real money. Then they will decline. The problem I ran into was when I contacted them because I wasn;t sure the claim would be covered. They assured me it would until the time came to pay. Then it was "oh by the way, we forgot to tell you this... and since you didn't ask... too bad". I am shopping for something better. I wish I had never dealt with them.
2 People found this helpful.
I have ASPCA and it's actually United States Fire Insurance Co. I'm having issues with them because I haven't made many claims. It's ridiculous. For a 125.45 claim I get like 16.00 so minor things I done even bother. It's just not what it seems and I though there were donations made from my 152.00 a month to animal welfare and that is false.
1 People found this helpful.
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.
1 People found this helpful.
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Our Partner
- Trusted by More than 625,000 Parents
- No Enrollment or Administrative Fees
- No Maximum Annual or Lifetime Payouts
- Most Claims are Processed in 2 Days