Comments on: ASPCA Pet Insurance Reviews

By: John Newman

John Newman — Tue, 07 Feb 2012 15:40:16 +0000

Whatever you do, stay away from this pet insurance through ASPCA. As someone here has already stated, the insurance is not with the ASPCA. It is with an insurance company that the ASPCA has partnered with (for reasons unknown to me.) This is a horrible, horrible, awful, wicked company. My miniature wire-haired dachshund had back surgery in December. The total cost of the surgery was around $5,000. We had the Level 3 insurance coverage which costs a little more but we decided it was worth the extra premium payment per month. We wanted to make sure if anything happened to Baxter we would at least receive some help in the form of reimbursement from the insurance company. Bottom line – over a month after submitting the claim and all the necessary paperwork and not hearing anything from the insurance company I finally called to be told that the claim was denied and that we would be receiving no payment. The woman on the phone was rude and would only continue to repeat the same phrase over and over and over. DO NOT GET INSURANCE WITH THIS COMPANY. RUN AS FAST AS YOU CAN. Get insurance with another company or put money away in a savings account out of each paycheck. Do not buy insurance with these people. I am going to reporth them to the Better Business Bureau and the state attorney general.

By: Leo G

Leo G — Wed, 03 Aug 2011 14:56:05 +0000

I took my dog for a wellness visit. At that time I told the veterinarian that my dog has a lump by one of her nipples. She has not been diagnosed with any illnesses. I find your company quite deceptive in what is covered and what is not. I called on a couple of occasions and asked if a wellness visit would be covered and they said yes. I spoke with someone on June 30th and July 1st to make sure that the plan was effective. I knew that If I were to have my dogs tumor removed that it would not be covered, BUT the other things that the veterinarian and I spoke about (X-rays, blood tests, and being spayed) were done because she had not had anything done before. I have read about your company and wish I would have read more into the reviews your company have received from NUMEROUS unhappy consumers. I will ask that you review the claim again as I will ask the Illinois insurance department review this claim.

The numbers above are the numbers to the conference calls that I made and that according to your customer service representative and the automated response the phone calls are recorded. I asked what would be covered a wellness visit? Also if she needed to be spayed? would they be covered. Also to make sure if she needed surgery for mass removal would it be covered? For this last question her response was no. I am fine with that! If the customer service representatives do not know how to answer a question by a consumer or beat around the bush for a direct answer, they should not be working. I will not be renewing my pet insurance with your company as I believe you misrepresent your intentions about claims and such forth.

By: jessica osborne

jessica osborne — Fri, 13 May 2011 01:57:26 +0000

i have aspca insurance and i just took my dog to the vet today because she not eating at all. she acting normal still and still wants to play but when it comes to food she has no interest. i try to hand feed her or give her a treat but still no interest. i took her to the vet and the doctor said its rare for a dog to react to that so he reccommand blood work and xrays. her xrays came out normal but i have to wait for the blood work tomorrow. if everything comes out normal is there a possible way i wont get anything back.i payed 270 dollars for everything. im seeing all these comments and they are saying its a rip off and no one getting their money back. im hoping thats not going to happen to me because with gas prices its a struggle

By: Dale Beth

Dale Beth — Fri, 22 Apr 2011 22:36:32 +0000

To continue-I have a female Bijon Frise, 3 yrs old & am very worried about anything happening to her. I just received the ad for ASPCA pet insurance & was about to sign with them but after reading all these comments, I am going to shop around. Thank yu all again.

By: Dale Beth

Dale Beth — Fri, 22 Apr 2011 22:33:13 +0000

Hi everybody. Thank you for all your comments & advice.

By: Rach

Rach — Thu, 17 Mar 2011 13:54:08 +0000

I have ASPCA insurance as well – I was told by Nathan how everything was covered at 80% where as other companies only cover what they feel is the customary price – He told me they do not do that,everything is covered. I have 2 puppies and I told him the total to spay and neuter them would be $900 – He told me 80% is covered. So I signed up right away and now when submitting my claims, I am finding out they are only covering what they feel is a fair price -Now I am being told by someone else they are only going to consider about 1/2 of the spay and neutering of that as a customary charge, any blood work is not covered, not sure why, so I am lucky to see $200 of reimbursement. I explained to them that is not what I was told – I have spent almost $300 on each puppy- and they are still telling me I havent met my deductible – They are telling me office visits are considered “wellness visits” and are not covered – It seems nothing is covered – This company is definately not what they say they are!!! I cannot wait until my plan expires I will definately be switching – I heard Embrace is one of the best pet insurance plans so I will definatley be switching to them!!!

By: Xenia

Xenia — Fri, 18 Feb 2011 19:42:10 +0000

I just received an offer by mail for pet insurance from the ASPCA & just as I was about to call, a friend of mine told me to look for reviews just to be on the safe side. I’m so glad I did that because after reading all your comments, I definitely will not purchase ASPCA insurance. I have two small dogs, miniature schnauzer & yorkshire mixed, both 4yrs old & they’re pretty healthy so far but you never know when you’re going to need some help paying those huge vet bills.

Thank you all for the advice:)

By: Debbie Ruiz

Debbie Ruiz — Wed, 16 Feb 2011 16:19:16 +0000

I have had ASPCA pet insurance for a number of years. I was satisfied until my dog became ill and I needed the insurance the most! My dog has been suffering from chronic diarrhea. The vet did several tests to try to establish why this was happening. They paid a claim in November 2010. In December 2010 I submitted another claim for the same issue which was denied because he was supposed to be cured for 180 days before I submitt a claim for that same condition. I had the insurance to cover when he is ill. Then I am told that the reason for the call was to inform me that they made a mistake and shouldn’t have paid the claim in November and could I please reimburse them for their mistake. I had read the reviews prior to signing on with ASPCA insurance and against my better judgement I signed on anyway even though it was in black and white why I shouldn’t. I only have myself to blame but as they say “Buyer Beware”. If you have money you would like to give away the ASPCA pet insurance will gladly take off your hands.

By: C. Krank

C. Krank — Fri, 28 Jan 2011 21:42:10 +0000

I bought this insurance because og the ASPCA name. What a huge mistake. Paid about $1000.00 per year for my 3 dogs and they covered absolutley nothing. They claimed everything was pre-existing which was a lie.
I had too many other things going on in my life (financial and health) to fight them.
THEY RIPPED ME OFF BIG TIME!!!!!!!!!!!!!

By: biker1

biker1 — Wed, 12 Jan 2011 17:13:42 +0000

First let me say that I am very sorry about the loss of your beloved.

As you correctly state, you are better off not referring the ASPCA Insurance to your friend, as your friend may not be your friend shortly after the 1st claim is put in and most likely not paid

There are other Pet Insurances available that may suit your friends needs.
But I would say the ASPCA, aka The Hartville Group Pets Health Insurance is one of the Worst Pet Insurances available. Their 180 Day Pre Existing Condition Policy which includes Policy Renewals is one of the worst Exceptions that any insurance Company can have.
That alonng with the miserable payouts and excuses for not paying claims makes this insurance company the worst available, imo.