ASPCA Pet Health Insurance Reviews

I signed up with ASPCA Pet Health Ins. because of their association with ASPCA. I wish I had done more research on this company and read the reviews. I signed up for pet insurance in February 2017 hoping I would never need to use it. Unfortunately my cat became ill in September. It turns out he has IBD and a tumor. I now have several bills to deal with on top of ongoing medication. I submitted my first of several claims in early September and to date have been getting the run around. First excuse, was they didn't have the medical records needed from the vets to support the claims. After several calls back and forth to insurance and the vets, we finally got that resolved.

The worst pet health insurance! I have insurance for three years, automatically renewing, they don't pay nothing to me because the renewal took time in June and my dog was treated in September, and they said it's a 6 month period between the renewal and the "new" policy takes effect. What new policy if I pay for three years straight without doing anything (they deduct from my bank account)?

I have had ASPCA pet insurance for almost 12 years now and their service continues to get worse. They do not notify you if they are waiting on information for a claim, they look for anything to deny claims and have a slow processing time. I will be leaving them after 12 years and 2 different pets. Their prices are also extremely inflated with caps on everything while several other companies do not have limits on payouts.

Got insurance, about a month later went in for a regular checkup/shots for my cat and unfortunately was quickly back with breathing problems that were dx as asthma. Neither the routine checkup and shots that should've been covered or the xray/asthma visit were covered despite how they were within the time frame the insurance says will cover these AND they were well within what the insurance says they cover. I submitted my claims and a few months later realized they were still processing one from so long ago and I sent in the invoices and medical records - there's no reason it should be processing so long unless you're just trying to string someone along.

This plan advertises 90% coverage... "Get reimbursed up to 90% of covered veterinary charges.* Our reimbursements are based on your actual veterinary bill. They aren’t limited by a benefit schedule, which pays a fixed amount per diagnosis, regardless of the treatments your pet needs. We also don’t exclude your veterinarian’s exam fee." However, the asterisk takes you to a disclaimer that they only pay 90% of what they think is an appropriate charge, which is nowhere near the reality of pricing at quality veterinary services. This is misleading at the very least, but I think falls more in the realm of unethical trickery. In addition, they are masters of nitpicking every charge and stretching to tie it to some clause in their exclusion list so they don't have to pay. They will not even pay to spay an animal, which is very ironic for an organization that partners with ASPCA.

I have had pet health insurance through the ASPCA since my Boston Terrier was a puppy. She is now almost 9 years old. My Boston has had allergies for years. She has been treated many times most in emergency situations for spontaneous hives that cover her entire body and turn into half dollar size welts in a matter of minutes. Since she is getting older the reactions seem to be getting more severe where her throat now swells and breathing becomes erratic. ASPCA in the past has paid for the claims submitted up until this year. They state that this is a pre-existing condition and will no longer cover this. Since when?

Unfortunately my bc at that time enrolled the pets at a later stage (around 7). We had 3 dogs on the policy. For whatever incidents we have had it's been a NIGHTMARE with these people to get your claim processed... not to mention there's a list of what isn't covered that surpasses the list that it does cover! Beware of the "renewal - new policy dates and what they cover". Apparently at the renewal day every year everything that has happened to your pet will not be covered after renewal bc it's now "pre existing" so if your dog had a heart murmur that was grade 2/3 (nothing major) no meds or treatment - it was just found to have a murmur - well - later on IF the dog develops any heart issue - ANY heart issue that may not even be connected to the murmur - it WILL NOT BE COVERED. Bc there was a "pre existing condition" of the heart... Basically they use this to get out of paying claims with this clause.

They are saying on their advertisement that you will get covered after deductible. However, this is hell cheating. Once you submit your claims, they will say that they analyzed 100,000 claims and the average price is lower than your bill. They are allowed to pay only based on the average price, e.g. your bill is $1000, after $100 deductible you thought they cover 90% on $900. However, they say in your area, the average claim of that illness is $400, they cover 90% of $400, which is $360 only! This is how they cheat!

I've been using Nationwide Insurance for my Pomeranian for years. Once in a while my dog get sick I called customer service how to submit a form they seem to be that I bother them and it takes them a long time to response and cheap. They only want to take your money... Forget you. I changed to ASPCA. They are awesome and they will accept older dog with less money/ After 6 months my dog got sick, I submit my expense. Very simple. They reimburse in a week and give me a call to see my dog is alright. I really impress how caring of ASPCA.

I have submitted within the 4 years that I have been paying the ASPCA maybe 4 claims. My dog now needs a major surgery to help him breath. Out of a 4,500 estimate for the surgery the ASPCA is only covering 500.00. They say that now he's Congenital therefore it goes into a lower claims bucket. So after 4 years of paying 56.00 per month for my insurance this is how I'm treated. You have to love these people who are supposed to love pets and look at their best interest.

I first had pet insurance with ASPCA for my dog last year. They kept nitpicking and denying things that seemed like they should be covered. Many phone calls and appeals to get payment on claims that should have been covered. I was so dissatisfied with customer service and claim denials that I starting searching for a different company to switch to. I found one and actually had two plans running to compare them.

I was a long time member of 24PetWatch's insurance as it was offered to me when I first adopted my cat 4.5 years ago. When my cat developed stomatitis and had to have half of her teeth extracted, 24PetWatch refused any benefits because they do not cover any dental work. This after paying my monthly dues, never skipping a beat. I immediately canceled my account with them and switched to ASPCA insurance because they stated they would cover dental extractions. I did not even skip a month in terms of coverage.

I had pet insurance for my beloved cat who passed away a few months ago. I called them to discontinue our service. The next day I get a long voicemail from someone at ASPCA expressing their condolences for me losing my cat and going on and on as to how difficult it must be. They don't know me or my cat. I also lost a dear family member last year so this call just sounded fake and like an attempt to retain my business for the future. I was also dissatisfied with the last year of coverage. I paid a lot into it and they were always denying claims or reimbursing very little.

I know the ASPCA does not actually insure our pets but you receive money for loaning your name and reputation to an insurance company that actually underwrites the insurance. Therefore, I feel your name, your work, and your ethics are linked directly to the fraud perpetuated by the insurance company representing you, which is Hartville Group.

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 from his puppy exam when I first got him several months prior. These people will do everything in their power not to help you. DO NOT pick them for insurance. They will ** you when you need them most.

I received a call from Jeff, a supervisor at ASPCA Insurance Claims department. He mentioned that the department has re-opened the claim and found out I had the coverage and they will pay for some of the services. I have not received the check, but whatever the amount, I consider it a positive step and a resolution.

Save your money and self-insure!! They deny most claims or pay very little. If you go to the vet close to the end of your policy year and then must either go back to your vet or go to a specialist after a new policy year has started they will not cover the visit or the medicines as they consider it pre-existing condition. I am now paying $100 per month and they would not cover the specialist recommended by my vet because a new policy year started the week before my specialist appointment.

My dog was diagnosed with cancer in December 2015. Her policy renewed in January. Because her diagnosis was at the end of her 2015 policy, they are refusing to pay for any claim regarding her cancer in the new policy in 2016. Including her pain medication. I pay $57.00 a month for her policy, from what I thought was a caring, humane organization??? I will be bringing this into the light of all consumers, media, and anyone I can reach by phone, email or letter. I consider this inhumane treatment of an animal and it will not go unnoticed as my pet is family and there isn't anything I wouldn't do for her.

My 15-year old cat Ashley was diagnosed with hyperthyroidism last May 2015. He has been having blood work every few months. ASPCA insurance paid a portion of both bills. I renewed my policy in December 2015 and now ASPCA says they will not cover any of Ashley's thyroidism bills because he was not cured and not "incident free" for 180 days. A hyperthyroid cat is never "cured" unless they have the radioactive iodine treatment. They need constant monitoring of their blood. Save your money! Put aside money you would pay to pet insurance companies. Then they arbitrarily decide that what your vet charges is too much. I will NEVER recommend this company. The ASPCA should be embarrassed to have their good name associated with this awful company.

I have four dogs. As in the past I have always had pet insurance to offset veterinary bills. I had ASPCA for three and a half years on all my dogs. I had two claims for teeth extractions. ASPCA denied both claims for the two dogs citing they would not accept the manner in which the vet wrote up the invoice for services. When I appealed they denied the claim citing it did not fall into the category they allowed.

I signed my 12 year old dog up for pet insurance after realizing how expensive things can get as he gets older. He had a reoccurring spinal issue which I understood from my previous scam Trupanion that could not be covered. I talked to Jason at ASPCA in September of 2015 and he was kind and made me feel he actually cared about my pet but kept pushing for me to sign up my puppy and I said that I didn't want to pay thousands of dollars for a dog who isn't going to need insurance for a long while unless he got hit by a car which I would never let happen.

Refused to pay for my Dachshund's back surgery claiming it was congenital. Definition of congenital – born with or before birth. He's 10 years old, never having a back problem. They have their sales people tell you all lies and then they take your money and find ways not to pay. Someone should shut them down. Read all the complaints here and on Yelp! STAY AWAY. BEWARE!!!

I secured ASPCA pet insurance for my English bulldog since he was a puppy. (2007) Original the premium was $54 per month. His policy was Level 3 with $100 annual deductible 20% co-payment. I had a few claims for him during the first years. Everything was ok. His premium went up in a few years $65.76. A few more claims, did not get reimbursed 80%. Come to find out ASPCA Insurance would only 80% of "customary charges". I calculated over the years and this company really only pays on average 65%. Note that's... After your deductible and after your monthly expense out of your pocket.

This insurance did not cover any sort of illness for my dog. It was not helpful at all, and I feel that my money was completely wasted. Upon purchasing the insurance they gave me the impression that I would be reimbursed 80% for my vet bills with some exclusions on what type of vet service it was - it made sense that they would not cover vaccinations or preexisting conditions. My dog has been ill twice since I've had the insurance and neither of those bills were reimbursed by the insurance. The policy was not made clear and you have to read the fine print to really know what you're paying for, which isn't much. Basically, what this policy does cover sounds great when they explain it to you, but there are so many things that it doesn't cover.

I have had both my Chihuahuas insured with A.S.P.C.A. since 2007. They were 5 years old at the time and neither of them had any medical issues or pre-existing conditions. The very first claim I made was the same year for one of my dogs who became violently ill after eating something she found in my yard. She was going into shock and I rushed her to the ER in the middle of the night. She almost died, and ASPCA denied the claim. It was stated in the denial that it was not covered because my dog had a behavior problem. WHAT?? My dog does not have any behavior problems, it turns out she may have eaten a snail that was poisoned from my neighbor's yard, but I never knew for sure what it was she ate.

Where do I start. I was excited when my company told me they partnered with the "best of the best" for pet insurance. Boy, they really got that WRONG! I started paying for my pet insurance April of 2014. I am VERY fortunate that until August of 2015, I had no health issues with my boys. Nonetheless, I continued to pay month after month for TWO insurance plans for each of my babies. Now, come August. My baby Scooby needs to go to the vet. I'll spare the details, luckily, he is OK. Had vet fax over paperwork. Again, FIRST CLAIM IN MORE THAN A YEAR. Done. Now, cat and mouse game. For 3 weeks they tell me that they're not getting the "invoice" which shows I paid. I sent it 2 times, emailed it, and had my vet send it 2 more times too! Still, they were not getting it. Fed up, I decided to email the dog's medical records again.

THIS COMPANY DESERVES THE NEGATIVE REVIEWS! I was promised that I would be reimbursed 90% of my veterinary bills when my dog was hit by a car. After the expected deductible, I was only reimbursed $1,350.00 of a $2,400.00 bill! When I asked why the amount reimbursed was so low, I was told "you are not reimbursed on the actual bill amount, you are reimbursed on something called USUAL & CUSTOMARY charges... the amount we deem as a fair amount for each portion of the pet's treatment"! What? I was told it was going to be 90% of the actual bill. I was then told "I know you are disappointed but you should have had a policy prior to this year... The reimbursements were even lower!" Shame on them :(

I cannot fault anyone on Staff for ASPCA. However their medical policies are misleading, to say the very least. After 17 months of membership with Sushi, my Shiba Inu, my veterinarian prepared a claim and fully detailed the entire reasons for the claim. Their first response was "not detailed sufficiently." Again, and with additional visits to the Vet added since this was NOT a wellness situation, the claim was denied. I had, at that time, had enough. I spoke with my vet and we agreed that ASPCA would no longer be recommended at their clinic. I am sorry to have to do a negative review since I have always respected the ASPCA program for assisting needy animals -- guess that is why I chose the pet program with the same name. Not so, and again, I am a reasonable, not negative person. Shame on the ASPCA Pet Insurance. They demean the real ASPCA with their policies for pet insurance and claims.

My dog Dakota is 13 years old. He has been with ASPCA insurance since 2008. Dakota has developed a heart condition. After taking him to the vet to get treatment I submitted the claim to them. They refused to pay saying that he had been diagnosed with the illness prior to the current billing cycle. This is not true since Dakota has been under ASPCA pet insurance since 2008 and he was originally diagnosed 2013. ASPCA misrepresents itself. I have never had them pay for anything for the animals that have been under the policy. They are quick to take money yet they always have a new excuse not to pay. I have seen many other complaints against them. Maybe a class action suit is in order.

I bought this policy (94.00), continuing care included and I took my cat for a check up since he was sneezing and paid 281.00. I took him for another visit, paid 46.00 and a third for 137.00. Long story short the policy does not clarify the addendum that nothing will be covered until you have the policy for two billing cycles. ASPCA is misrepresenting its product, fraudulently collecting premiums from consumers with the full discretion that they won't reimburse the consumer, falsely advertising its insurance policies. Time for a class action lawsuit against this fraudulent company.

I submitted a claim for my small dog, who got hurt while running and his left hind leg hit a hole and he hurt his knee and had to have surgery. Our bill was $2,365.62. My policy was $500 deductible with a 90% coverage by the insurance. They decided to put a label of congenital disorder and only covered $500 which is my deductible.

After years or ridiculous increases; I called and they said that my dog had reached the age where they were not going to raise my monthly charge anymore. Then months later they did raise it by 20%!!! I called and they said it was because of a "State Approved Increase" - on an Elected coverage, that I now cannot opt out of, and have never used. Now that my dog is 13, I have dental coverage?? What about the money I already spent? I said I thought I was "grandfathered in" like I was told on the phone, but they apologized and asked if I wanted to terminate the policy. SCAMMERS! There will always be increases! They are worst than the Cable Company.

I have had ASPCA Pet Insurance since 2008. I have had automatic payments to cover the policy which has never lapsed. In 2012, I had a claim that was denied because I was told I did not ask for an endorsement called "Continuing Care". I had no idea I needed to "ask" for anything as my policies always just auto-renewed. This "Continuing Care" allows illnesses from previous years to be covered again. In the past, they thought my cat had asthma so of course I wanted this endorsement in case anything happened in the future.

In July 2014 our dog Mindy was scared by fireworks and jumped off couch and hurt her back. We took her to vet, he referred us to surgeon. Mindy needed emergency surgery. We had accident insurance - claim was denied because insurance co stated it is a condition in her breed called ivdd. We have letters from vet and surgeon stating it was caused by trauma secondary to ivdd. Cost 7000 - policy should cover 4000. Claim denied. We plan on still pursuing this claim denial.

My dog Bo 3 years old needed surgery and it was very expensive. I did not expect to have it all paid but at least part of it. None!! I get phone calls from them that are at all times of the day including at night when I am in bed. A call at 3 P.M. said we will call back in a few hours regarding your claim. That never happens. They operate on a delay and don't pay program. I have a great grandson-in-law in Ohio who is an attorney and today hope to get him to take ASPCA Pet Insurance to court for all of us!!

My baby, a Chinese Crested, had a skin rash when I first got him. I submitted the claim and was never reimbursed. I've submitted quite a few claims and have not been reimbursed. When I called, they gave me a litany of excuses as to why I was not reimbursed. They told me that since the rash occurred within 30 days of my signing up for insurance, it was considered a pre-existing condition and would therefore not be covered now or in the future. I knew nothing about this 30 day period. They gloss over it and don't explain it thoroughly on purpose. Chinese Cresteds are notorious for skin problems, so for the rest of my baby's life, when he gets a rash and needs medicine, ASPCA will not cover it. There has got to be something we can do. It's disgusting. They're basically saying - if your pet gets ill on day 2 of the 30 days, you must wait and not get treatment until the 30 days are up. It's basically animal cruelty and they should have to answer for this. We must do something about this. I am livid. These are our pets. They are our family.

I have used ASPCA Pet Insurance for many years. During the last 2 years, they have grown much larger and are even now moving in to a bigger building to handle the larger volume of workload. They recently closed out a claim after only having it open for less than 30 days due to lack of documentation from the Vets involved. This was over Christmas and I even asked them to wait until after Christmas to give people time to respond. I was not consulted any longer, they just closed out the claim. I know now they were just trying to get rid of back log and old claims so they would not have to bother with them.

I called up ASPCA pet insurance because my dog needed to have surgery for a ear hematoma. I asked the lady before I signed up if this would be covered so that I can submit a claim after the surgery. Of course she said yes and even convinced me to sign up my 2 other dogs. So now I had all 3 dogs signed up and paid 2 monthly payments. I signed up around Nov 17, 2014 and my dog's surgery was on Nov 24, 2014. So I went ahead and sent out the claim form for my bill of $740.00. After 3 weeks, I was informed that my claim was denied because I had to wait 30 days in order to be eligible to receive reimbursement. I was so upset because I was never told that information before I signed up. If I was informed of this, then I would have never bothered to sign up. This is a total scam to me and I would not recommend any of my friends or family to ASPCA pet insurance. I since then cancelled my membership and looking for another reputable insurance company for my dogs.

My dog is currently suffering from some sort of eye infection that has been going on now for almost 2 months. Total bills so far have racked up to almost $3k out of pocket and she has yet to see the eye specialist which is up next. Unfortunately for me, her injury first surfaced 10 days prior to the annual renewal of her insurance plan. Being a good owner I chose to seek treatment. The first visit was just $200, but the very next visit (just 1 day after her renewal) was a whopping $900. Unfortunately the way the brilliant minds at this 'For Profit' company wrote the policy, they can't cover the $900 or anything that follows b/c this is now a pre-existing condition. Not that it was chronic, nor hereditary, simply that b/c it surfaced 10 days prior to renewal that it is now 'pre-existing'. I give these people money why exactly?

They are the worst... They will find every which way not to pay you. I pay over $70 a month for two dogs both 8 years old and they nitpick the records to find some wording in there from years before I purchased the insurance and takes forever to process the claim because they do not want to pay. I am stuck now with them because my dogs are up there in age... Both myself and my Vet are disgusted!

I have accident only insurance on pet (Schipperke age 16 mos). Dog ate sandal. Absolutely no coverage despite intervention of vet and my appeals. The actual co behind the insurance is Hartville Group, Inc. and they are supposed to pay ASPCA $1.95 million in order to use the name. They are simply collecting premiums to meet this commitment and have no incentive to actually help animals. Horrible company and shame on ASPCA for lending them their name.

I will never use or advise anyone to use their services. They promise coverage for certain things and then when it's time to pay, they claim that is not covered. My vet prescribed a medicine for my Poly for renal disease and even though my vet wrote a letter explaining that she needed to take this for the rest of her life (for her kidneys) ASPCA coded the medicine as a food supplement and would not honor the claim. Also when she had some dental work done that's a whole another story they didn't pay for that either although they advertise that they do dental. Everything is with a hook and a loophole so they don't have to pay the claim. DO NOT USE THIS COMPANY if you love your pet.

I would give a zero if I could. They are complete liars, scam artists and will say anything for you to join, then not cover a thing. Please, please I am begging you, do not get them. We had the second to top tier in coverage, and NOTHING has been covered. One example is the vet documented that he may have a long soft palate but were unsure and wanted to revisit if any problems occurred. Well, he did, and even though it was not discovered until nearly a year later, ASPCA refused to cover the surgery because there was mention of a possible issue a year.

I signed up for the expensive Level 4 Wellness plan with ASPCA in November 2009 for my two cats who were about a year and a half old. Since that time, I have paid out $5,960.34 in insurance payments to ASPCA. I have had a total of $5,580.96 in vet bills between the two cats, spread out over the time from November 2009 until May 2014.... Nothing critical, but eye problems, skin issues, dental extractions. I recently submitted a bill to them for $673 for dental scaling, cleaning and two extractions as part of the preventative plan on the advice of my vet in order to avoid future more serious issues.

My GSP had a slightly enlarged spleen which we were given a choice to remove it or just have regular check ups. I do not have a spleen so we chose not to have it removed because it is a vital organ we are better off with and this was 2010. The vet checked our dogs spleen every 3 months and up until October of this year did the vet say the spleen was larger and a nodule on the outside grew. We decided it was time to remove it and found out that upon removal there was a small mass that came back as cancer or a sarcoma. We started chemo and ASPCA pet insurance refused to pay for the spleen removal because it was diagnosed in a previous year and their policy calls this pre existing and they would not pay for chemo since the cancer was in the spleen and this is pre existing even though he would not be alive if he had cancer untreated since 2010 when the spleen was slightly enlarged. Pre existing to them is yearly even if you did not have any claim for the condition before you took out their policy. I have been with them for about 5 years and this is crazy and nonsense. They take my money so I am canceling their insurance.

I paid $35 a month for 8 years and had 8 claims. After taking out the $100.00 deductible and only covering 80% I received maybe $1,050 back of the $4,000 I paid over this time. The last year I had the plan my dog had 4 bladder infections, when she got a 5th one they refused to cover it. They now considered this a preexisting condition, which they do not cover. They let me know that any future claims that relate in any way to the bladder (such as a yeast infection) will NOT be covered. Then they refused to use my bills towards the $100.00 deductible. My general feeling is as long as your claim amounts are low and are infrequent they will cover you, if you begin to turn in multiple claims they find a loophole or way to say it's related to a preexisting condition. I cancelled my plan ASAP.

ASPCA will procrastinate for as long as they can, will wait for you to call to find out what is going on with a claim, then keep asking for more and more information, i.e., Descript Vet Invoice and receipts were not enough, needed the Vet's "notes" which took them another month to get and they still denied the claims. Then, they changed my start date so not to pay for some of the "puppy" claims and another because my puppy had a "pre-existing" condition........ Giardia virus that he must have picked up in the Pet Store. I had the best plan which was suppose to cover everything even preventative stuff 90%. I haven't received a dime for anything I submitted and it took months!

I wish I could give no stars...I brought an 8-week old puppy into my home, after three veterinarians said he was healthy. I enrolled him in ASPCA Health Insurance. About a month after I got him home, he began scratching terribly, making himself bleed. The vet tested him three times over the next few months for mange and found none. We treated him for unknown allergies. When I submitted the claim for allergy medicine and treatment to ASPCA, they denied the claim stating it was a pre-existing condition. After several months, the puppy developed mange. After two bouts of treatments, the ASPCA is denying all of those charges, stating it is a genetic condition.

I've had ASPCA for some years. They always pay late, but at least they pay. Recently, they refused payment for a routine modality saying it was "alternative" therapy. Neither my vet nor any other vet I consulted considers this treatment alternative. Neither does the AKA. But ASPCA refuses to defend their opinion and simply says it is alternative because that's what they say.

I am writing in protest of the denial of benefits for the recent claims during the current plan year (12/1/12 11/30/13). First, as an insured client of ASPCA Pet Health Insurance (ASPCA PHI) in good standing since 2007 (as such I have paid in excess of $3,000 in annual premiums), let me express my complete disbelief over ASPCA PHI's recent actions. Rather than correcting a simple error made by their claims department when processing a 2/2013 claim, which omitted a reimbursement of $3.33 for the second of two bags of lactated ringers in February 2013, ASPCA PHI launched an investigation, expended the time and resources to come up with some fabricated justification to deny benefits for a condition for which treatment was not prescribed prior to 2/15/2013.

I have had this insurance for a number of years and luckily, my pets didn't need any medical help. Okay, we got turned down because I asked for testing for Lyme disease. I got turned down for reimbursement because my dogs never had Lyme disease, but then my female got idiopathic anemia from a tick-born disease called Ehrlichia. She got sick for 2 weeks before my annual renewal and they will only cover the first two weeks of her illness because after the renewal, they will not cover anything from the previous year. You have got to be kidding.

After calling this ripoff company and then realizing they were a scam, I had called back and told them I was no longer interested and wanted to cancel my application. After the girl gave me a hard time trying to threaten my pet, she said she would cancel my application and I wouldn't be charged. 3 days later, I looked in my account and they charged me $70! They are a scam and are only interested in your money. Too bad I put a claim and got my money back, oh and put a stop payment on their fraudulent charges.

I feel this is a rip off of insurance. My cat was ill the end of 2012 and it took till now, 3/13, to resolve and find the actual cause. The plan will not pay anything towards the needed surgery. They claim that when the plan renews and if the issue had not already been resolved, it is now not covered. I asked the woman “So you mean to tell me if my cat had a cold in December and it was covered and then had a cold in January when the plan renewed, it would not be covered?” And she said, “That is correct. If an issue is not resolved within the plan’s year, it is then not covered again till there are 180 days of clean health for the issues.”

Just don't do it! I thought this would be the best thing to have for my beloved family members. It's nothing but a headache and they will not pay out. I wish I could put a screenshot up here of what they have actually paid out to me, but I don't see where I can. Here's a review:

An absolute waste of money - I purchased the 4-star insurance the day I bought our 8-week old puppy from the breeder. I paid approximately $90 a month for this insurance. At 5 months, we took her into the vet to be spayed. One of the reasons that I purchased this level of insurance was that spay, yearly visits and shots and dental cleanings would be included. I received a call from the vet saying that they could not spay her because they would not administer anesthesia because of her kidney levels. He suggested putting her on an IV for a few days and then check her numbers. In addition, the vet suggested we take her to a veterinarian that specialized in kidney problems, which we did. At no time did either the vet or the kidney specialist indicated that the cause was congenital; however, we could not prove that it wasn't congenital and ASPCA determined that it was.

The insurance is total fraud. My story is not different from other people. The insurance doesn't cover preexisting conditions. Each renewal is considered to be a new policy that does not cover old or reoccurring illness. Claim processing takes many months. I got burned by ASPCA three times for several thousand dollars. They are in business to make money whatever it takes. We bought insurance for our dog because of false sense of security. This is what it is. Each time it was a struggle to get paid without much success.

In October of 2010 I started shopping for pet insurance to cover my cat Draven after spending $8,000 trying to save the life of my other cat Gambit. You could say I learned my lesson and never wanted cost to be a deciding factor in the decisions I made about my little guy's health. After a nice conversation with this company's (ASPCA Pet Insurance) phone representative, any concerns I had were resolved and I decided to use their services. The representative directed me to their online application, which I filled out and waited for the approval email that came a short time later.

For five years we have carried this insurance for our dog; quick math, $1,250. When we purchased this insurance they did not have a 'rider' to cover across plan renewal dates, which means if your policy renews January 1 and you bring your pet in for an illness on December 26th and start treatment, anything that runs over the January 1 date will not be covered. It is pre-existing. Your pet will need to be free and clear of all symptoms for 180 days before they cover it again. They now offer this extra coverage but you have to ask for it. Not only ask for it, but also you have to ask for it 45 days prior to your renewal date. If you call any other time they do not have the technology to make a note and add it when your policy renews. If you forget - well, your pet will not be covered. Also be aware if your pet gets too old, they also will not allow you to add this coverage.

My wife purchased the insurance and had told them we would be taking the dog in for a checkup and some meds. The spokesperson said that as long as we waited the required 30 days, all would be fine. Well, we waited about 45 days and took her in to the vet. Since we are military and use the base, the vet fees are nominal. The medicines and diagnostic testing were about $400. We called the company and got the procedures to properly file the forms. We received a whopping $8.00 in reimbursement. Every excuse under the sun was used to not pay: pre-existing condition, we were not over the 30-day limit, the deductible and this was on the premium policy. We have already paid between $240 and $320 in premiums. We have canceled the policy and have contacted the bank to be sure that they do not try to continue to collect on the premium. I will never give a nickel to the ASPCA again.

My 12-year-old standard Poodle had mild limping and weakness over the past year and a half from arthritis but was able to function. However, he changed markedly and was unable to lift himself off of the floor. He was found to have a herniated disc in his neck. ASPCA Pet Insurance denied the claim stating that the weakness started in a prior policy year and that they weren't going to honor the surgery for the herniated disc which was a new problem. I would look to a reputable company for my pet insurance needs. Stay away from ASPCA Pet Insurance.

I have paid $2,500 in premiums to ASPCA over the past 5 years. My dog was in good health until 6 months ago when he was diagnosed with diabetes. It has been a rocky road since then. ASPCA has paid about $500 on probably $1,000 worth of bills. I just got a refusal letter on syringes and insulin purchased in May. Note that it is 2 months later that I'm getting this letter. They say that the bill will not be paid because my dog's diabetes was diagnosed in the prior plan period. What? I called, thinking this was a mix up and would be easily fixed. It wasn't. ASPCA said my plan renewed in May and will not pay claims on his diabetes since it now considers that a preexisting condition! What is the point of this insurance?

I have had this insurance for both of my dogs for about 3 years now. They always have excuses for not to pay. Recently, my biggest argument with them has been about the reasonable cost. They don’t pay the cost of what you paid. They have a database with prices, which is obviously way lower. I told them to tell me about the veterinarian that is charging those prices so I would go there. So, of course, they didn’t know because it is just a database. So after they give you their "reasonable cost" price, they only pay 80% of that. I have been lucky that my dogs get sick at the same time and then they rest for 6 months before they get bacterial infection again; otherwise, they would not pay since they would say it is a preexisting condition.

I insured my cat (Dante) in early September 2011 with ASPCA Pet Insurance right after I adopted him from Bideawee. He had swollen eyes and I brought him back to Bideawee two weeks later in September 2011. Bideawee said it was the Herpes Virus, common in shelter cats. He was given an eye ointment. In January he began to have labored breathing and is now being treated for asthma.

My English bulldog puppy has been diagnosed with ulcers after the insurance took effect, but ASPCA does not want to cover anything. They are calling it pre-existing due to the fact before the insurance took effect, he vomited because he had pneumonia. So they are saying since he vomited before, then it is related. It's simple and obvious; when you have pneumonia, you cough, you vomit, especially when you have mucus buildup. So how can those two be related?

My dog had her physical in May and I had pointed out what resembled a white pimple on her side. The vet said they are common in older dogs and are harmless. Four months later, the "pimple" started to change in appearance so I brought her in again and was told it was a cancer. She had surgery a week later. She is fine. ASPCA would not pay on the claim because it was noticed in a different claim year. They didn't even give me my $100 deductible for the year.

I pay full year for a pet insurance each July since 2009 for my dog Taco Bella. I went to Wakefield Animal Hospital on two occasions for first time medical problems. On 7-25-11, a right leg problem (muscle or joint) and was given medication. On 8-25-11, for a skin problem (allergies) and was given a shampoo and medications. Both problems have been resolved. My two claims are pending for additional information. I called today and was told that they are waiting for 12 months of records from the hospital. Taco Bella has only been at the hospital for the wellness physical and vaccinations each year. The box was checked on the claim that these problems were not treated before.

I paid into a pet insurance plan for over 4 years for two dogs, and never made a claim until April 11, when a growth on one dog turned funny looking, so I brought her to the vets. They recommended biopsy to be sure it was cancerous. In the interim, I found two more, so while she was under, they removed and biopsied them also. My claim was for $842, in which they paid $125. They claim this was from a previous billing period and wasn't covered. The two additional ones weren't even discovered until a couple of days before surgery on 4/13/11.

We purchased this "insurance" for our new dog. We never had pet insurance before but figured it would be a good investment since, should she have an accident or illness, we do not want to have to borrow money from family or friends or clean out our savings. We've been paying an exorbitant premium every month (more than what my people health insurance costs!). Recently, she had an accident and hurt her leg. The initial emergency visit was $376 and I submitted a claim. It took them nearly two weeks to "process" the claim and when it came back, they denied the coverage. They even went so far as to tell me that the surgery she'll need (which we shopped around for to get the lowest price) wouldn't be covered either.

I have had the same experience as the rest of you, guys. I had coverage for my cat for 12 years. In all those years, I submitted one claim for like $50 for a check up at the Vet. Now when I really needed the coverage, they denied me, stating a pre-existing condition. My cat got sick on January 28 and was euthanized on February 4. Because my policy renewed on February 1, the second hospitalization was denied as pre-existing even though it was the same illness! It just happened to cross into the new period.

ASPCA is denying claim which is a secondary condition of cataracts to my pet’s diabetes which they consider pre-existing because it manifested in the prior plan year. The policy wording does not specifically state that secondary conditions are excluded. I would like to take a legal action and to have my claim paid.

The following may be the reason the ASPCA/Hartville Group, Inc. Pet Health Care Insurance is not paying claims submitted by the insured, or paying very little. The Hartville Group may be in financial distress. Take a look at the following statistics regarding their penny stock. Take a look at their 52 week low of 6 cents! The CEOs and the rest of these hoodlums must be milking this company dry, and we, the insured, are paying the price for this deceptive company's ways. This pet insurance company must be the gravy train for the executives that are running this company into the ground. We get paid pennies on the dollar, which is fitting for a penny stock, of which most eventually fail.

My poor cat had an abscess in her mouth that burst through her face. She needed emergency surgery, and had some teeth removed. During her emergency surgery, the doctor had to remove the abscess material from the other teeth, and clean those teeth in order to inspect them thoroughly, to see if there were any other abscesses in her mouth.

I advice all who have beloved pets and are shopping for Pet insurance to stay as far away as possible from any pet insurance with the names ASPCA, Petshealth Care Insurance, Canton, Ohio, Hartsville, etc. associated with it. This pet insurance is well known to be the ASPCA Pet Insurance Plan but you cannot get a straight answer from the plan itself, regarding the ASPCA association.

Do not get ASPCA Pet Insurance, if you think they will, as stated, reimburse you for spaying or neutering your pet! Under "Covered Expenses" for the plan I opted for, it says "Necessary surgical treatment for an illness or injury, including costs to spay or neuter your pet". The cost was about $400 for the neuter and related treatment. Do you know how much they reimbursed me? $60!

I signed up for the Level 2 Pet Insurance in 2008, for both of my dogs. The first claim I submitted was when my dog was tested and diagnosed with Cushing’s disease. The claim was immediately denied as "pre-existing" condition, and also for the "waiting period". I knew that my dog had never been tested or treated for this, so I got letters from my vets and fought it. The company eventually paid the claim, but reduced it drastically due to the "reasonable and customary" schedule for my area. They would not, or could not give me details on exactly what area is considered in this schedule. Since I live on Mt. Desert Island, I wondered how large an area was included in the determination.

ASPCA pet insurance! Run! Run! Run! Don't trust them! They will give you one heck of a sales pitch, then say they can find the recorded conversation! Don't trust them, not with your baby! Don't buy. Go to another company! Petsmarting is how your charge will appear. Reminds me of lying telemarketers! They do not disclose facts for coverage. They charged my account on the 6th of February but decided to change coverage to 2/15/2010 so that they would not cover. They also denied a claim on 3/18 for the reason of falling within 30 days and after I pointed out it was longer than 30 days, they changed to pre-existing.

This is the most terrifying experience that I had to go through. I have a dog named Jae who is 3 going on 4 years old, a Chihuahua/dachshund mix. He recently got injured and was paralyzed in his back legs. In desperate need we brought him to the ASPCA in Manhattan. We did not know what to do because he was in so much pain that he would bite every time he felt extreme pain. And note he never bites or never intended to do so. When we got to the ASPCA we had to fill out forms while we held him in our arms.

I have had insurance since 2/15/10. I submitted a claim dated 3/19/10, but they say there is a 30-day wait period. They must have a different calculation than mine since they now say it is not past the 30-day waiting period for illness. They don't have money to pay claims. I know this because they have already processed a claim that is 12 days later than one for normal wellness covered.

I purchased the top-tier insurance from ASPCA for my 11 year old dog. 4 months later, he developed liver cancer. ASPCA paid 80% of the bills. I received 3 calls asking me to share my "story" for the ASPCA website. I'm a professional writer, and I wrote my story. It was posted on their website under a different owner and pet name at the same time ASPCA stopped reimbursement payments, saying the maximum allowed for "one incident" is $5,000. Cancer is not "one incident" -- cancer is an on-going disease.

My Dog has been continually enrolled in the ASPCA Pet health insurance since 12/18/2008. I had no claims until January of 2010. I had taken my dog for a rabies vaccine and had her skin checked. He recommended a vet dermatology specialist, which I took her too the next day. A couple of days later, the vet wanted to do another test for thyroid.

I applied for the ASPCA Pet Insurance after being referred by a friend. I felt that I could trust the name since it is well known organization that I felt was a good one. You must wait for 30 days after applying before any claims can be submitted. That was fine. No problem. After 6 months in the plan, my boxer dog was diagnosed with a torn ACL. When I applied for the plan, I was told that with the Plan 2 coverage I got, everything was covered with the exception of well care, office visits, food and vitamins. Any injury, surgery, illness or diagnostic needs would be covered. It sounded great for $365.00 (which included extended coverage) in case the dog got sick and needed care the next year).

My dog was injured in a fall and ruptured a disc in her back. I spent about $6,500 on an MRI and on surgery. They do not want to pay the $3,500 limit they owe on the plan because they said that it was a genetic problem. I have info from my doctor and my surgeon that states other wise. So, I am taking them to court.

This is with regard to my dog who is 1 year and 6 months old and has been an ASPCA Pet Insurance plan member since she was 3 months old. For over a year, my dog is being treated for a urinary disorder. Mainly an x-ray and medication were given to find the problem, but it was not definitively detected. The plan renews yearly. In October the plan renewed for 2010. Last month the condition for my dog got worse and now that she is older, my vet advised getting a sonogram done on her. The procedure was $690.00. The claim (the first for the year) was submitted. I was aware of a $100.00 deductible, but expected a portion back for the procedure as I am paying $35.00 a month for my dog to be on the plan ($420.00 a year). The claim was denied with reason being I sought treatment for my dog's condition in the new plan period, and I cannot treat the same condition from the previous plan period in the new plan period unless 180 days passes.

I enrolled in a Level 3 ASPCA plan effective June 15, 2009. I selected the Level 3 plan because it covered puppy boosters for our 3-month old puppy. In late June, we took our dog to the vet for a round of puppy shots and subsequently submitted a claim form to ASPCA for reimbursement. The claim took 11 days to process and it came back with only $43 of the $140.76 being covered. This bill included 5 shots and a $15 service fee. ASPCA covered the professional service of $15 and only one of the shots (DAP). I was charged $45 for the DAP shot and ASPCA covered only $28 of this expense sighting that this charge was $17 above the reasonable limit. The rest of the boosters were considered preventative (even though they were recommended by our vet) and so they would not be covered including the Bordetella shot, which was required by our dog daycare kennel.

This company appears to be acting in bad faith. I have had numerous problems with them honoring legitimate claims. For instance, I just sent in a claim regarding pneumonia (the dog had a fever, cough and lethargic two days prior to Dx via chest x-rays on 3-30-09, etc.) for about $883. It was immediately denied. They asserted that because my dog presented with a cough way back in 8 or 9/08 prior to the effective date of the coverage, the symptom was pre-existing. Thus, they were entitled to deny coverage for the pneumonia. This is a pattern with them.

I took out an ASPCA Premium policy for both my dogs. I chose the Premium Plan because it covered an annual dental cleaning for our dogs. The premium is $75/month/dog. Under this plan, after an annual $100 deductible is met, ASPCA claims it will cover 80% of reasonable claims. I took the insurance out in December of 2008. In late February, I had one of my dog's teeth cleaned. No extractions were required. The bill was $575. The claim was submitted. ASPCA reimbursed me $113.

Our dog was in to see the vet. She had some rods put in her legs a few yrs. In 2007 she only went to the vet to get her yearly shots and that was it. Our policy started in Sept 2007. She got medicine for her knee that was infected because of her rod in June 2008. It was denied.

Signed up for Aspca pet insurance in Sept. 2007. Plan was not effective for 30 days and on day it took effect, my pet was taken in to clinic for treatment. The claims later submitted for partial reimbursement (which was earlier advised would be processed) were denied. No advisement or paperwork was received prior, stating the claims would be denied.

I brought my daughter's dog to the vet for update of immunizations, nueter and declaw removal,dental cleaning and earflush. I was charged for a total sum of $1343.62 by the veterinarian ALL Creatures Hospital. Although I had purchased and paid for the Premeir insurance with ASPCA which should cover all immunizations, health or surgical procedures and preventive care,illness or injury,ASPCA excluded $1.079.62.