ASPCA Pet Health Insurance

Edit: the price goes up unannounced. I’m now paying around $80 for just my dog. Still it’s peace of mind, but I don’t like unannounced and no-reason price hikes. The app doesn’t ~do~ much, but it shows me the info I want. My account, pets, payment history, the basics. As for the service, I unfortunately had to use aspca on April 1, 2024. My cat went to the cosmos. For my dog and my cat, the total monthly bill was less than $70, with a $250 deductible, 80% reimbursement, and $5000 limit for each. I signed up November 2023, begrudgingly, because it’s a continual payment for effectively nothing in return while my pets are healthy. But when my cat got sick way faster than I could keep up with, and vets couldn’t keep him alive, aspca did come through. It took a month or two of staying on top of them, and having my cat’s medical records available. But as long as there’s no pre-existing medical history on the cause of his death, which there wasn’t, aspca paid out. The emergency vet’s cost for their efforts and management of the body, was $2477. ASPCA paid me just more than $1900, even after just five months. I paid aspca no more than $350 so far, and they gave me $1900+. That’s such a major help in my current living situation. I’d be stuck with that bill for YEARS if not for aspca (and a shoutout to CareCredit). I’m gonna say “thank you for the financial aid” in the form of this app review, and by paying them $45ish/mo for my dog until he crosses the rainbow bridge. It stings to start pet insurance if you’re not middle-class or up, but you need to start it. Add seaweed to your ramen, and keep your furry angels well.

It used to be sooo easy to submit a claim on the member site. It has become nearly impossible. I keep getting the "hang tough we're working on it" freeze and I either have to re-enter the information or it won't let me. Entering a claim on the website by email is much more time consuming to start with. I have been happy until now...been with ASPCA for five years. Please fix the member site glitches!

The app experience is broken! It takes you through all the steps to file a new claim and then gets stuck on step 2 - adding why you took your pet to the vet. The next button doesn’t function and the save for later just keeps spinning with a hang tight message. One just can’t submit a claim via the app.