ASPCA Pet Health Insurance Reviews

My husband & I adopted the most adorable St. Bernard puppy in May, 2018, he was 3 mos old when we brought him home, we named him Ziggy. Unbeknownst to us Ziggy's fun, carefree life would be quickly interrupted at the age of 5 mos. He came down with some unknown illness that first presented as lameness and quickly morphed into bacterial infection throughout his little body to the point where he was in severe distress. From mid-July to early August our days were spent taking Zigg back to emergency vet hospital (he was hospitalized 3 separate times) and each time still the Vets were not sure he would survive this ordeal. Primarily because he was a puppy and his immune system not fully developed. We had many scary sad nights, but throughout it our Vets never gave up hope they would find what was wrong with Zigg.

I'd like to start by stating this is not meant as an angry rant, rather an informed warning to anyone else thinking about "donating" to this insurance company. We have 2 rescue bull terriers, being rescue there is never any guarantee of pedigree and consequently one of the girls is not the healthiest. We have submitted 4 claims for her and 2 for her sister, we have been denied every claim. Between them had cherry eye, allergies, bacterial build up, vomiting and ear infection. Only one denial was valid and we were caught by a pre existing condition. The others were genuine illness but were denied all the same for a mix of false pre existing and outright nonsensical answers. To me if illness is covered and your dog is ill you would expect insurance to come through. I shall now be saving the $80 per month we donate to this insurance company and instead save it up for any future vet bills. Do not use this company, they only take.

ASPCA pet health insurance has been so helpful. The process to submit claims is quick and simple, allowing me to receive refunds in a short amount of time. I have received many calls checking in on my pet's well-being when I was filing multiple claims in a short amount of time, which is appreciated. With such a great experience, I would recommend this insurance to others.

Thought plan was great until I needed to use it. Claim was denied as illness was diagnosed at the end of the plan period and treatment extended into the next year plan period. The plan will only cover cost for illness which manifests itself within a plan period. You cannot forecast when your dog will get a disease and need treatment. This insurance is totally useless for me as my dog will need treatment for the rest of her life and insurance will not pay for any of it. After 10 years of paying into a level 3 plan I have canceled it as it is of no use to me.

ASPCA Pet Health Insurance is simply the best. They have the best customer service... Their team actually makes personal phone calls to check on you and your pet. And they really care. Their app is super easy to use. Claims are simple to submit, and the reimbursements are very fair. I recommend pet insurance to every pet owner, and specifically insurance through ASPCA!

Started a little slow, with all the processing but after everyone got coordinated (ASPCA, Vet and Me) things have been great since. Highly recommended cause pets can be very expensive to care for correctly. As a puppy, Sadie, had some early age issues and ASPCA help to cover the expense of getting her "right".

I got insurance for my fur baby and don’t regret the decision of picking ASPCA to cover his health needs. Customer service over the phone is always wonderful and helpful and the health coverage is fair. Thank you so much!

Unfortunately, we have had to use this insurance MANY times for ALL kinds of crazy reasons, circumstances and health scares. I am glad when I was looking at pet insurance that I first of all decided to definitely purchase it and that we did so through the ASPCA. They are caring and quick and NEVER has argued a claim, paying everytime. They care about your pet and always follow up to see if they are feeling better. Best decision besides picking this particular dog to fall in love with, was picking this insurance to care for him.

I have been very pleased with the service we have received for our dog. I have felt the claim reviews have been timely and reimbursement is as equally timely. I have had no issues with the service and have recommended ASPCA insurance to other dog owners.

Probably the best thing that we have done since we adopted our puppy. ASPCA is easy to work with and very prompt. We have had a great experience with them. I would highly recommend them to family and friends looking for pet insurance.

I signed my 9 year old dachshund Winston up with ASPCA on August 1st 2016 with no preexisting conditions. Winston was healthy until June 2018 when he was diagnosed with Lymphoma (a quick growing cancer that has a prognosis of two months). For the first time in his life he had an illness that was severe & needed treatment. I was thankful I had put so much money into ASPCA to help prolong or save Winston’s life. However, because of ASPCA’s FINE PRINT, they do not reimburse continued treatment after the renewal date (because I started my pet insurance on August 1st, they refuse to reimburse should his treatments continue beyond this date, although the yearly limit they claim they will reimburse is $3,000).

They are not worth it. They find any part to call it pre existing. They don’t call and ask questions. They send letters of denial and assume you’re being dishonest. You appeal it, then they still deny it for another reason. They are rip off. Not worth the investment.

They really care about your pet. Their App makes it very simple to not only submit a claim but check on the claim. It's all so very easy. It seems a bit pricey at first but if you do the research you will see that they offer more. You get what you pay for and the price for me is worth my fur-babies health.

I never knew that pet insurance existed until I wound up with a sickly pup. ASPCA pet insurance is understanding and prompt with every claim. They even check up on your pup after you file one! My own insurance doesn't even do that. Reimbursing claims for everything from cellulitis to allergies, I really appreciate everything they do.

ASPCA pet insurance has been a joy to work with. I had the misfortune of having my dog develop hip issues within a year of starting ASPCA insurance and they have been wonderful about covering everything so far with no issues.

My experience with ASPCA animal insurance has been extremely positive thus far. Upon calling and asking questions about either the plan or what it includes or excludes, in addition to questions corresponding a claim, I am always greeted by a friendly and knowledgeable customer service representative. Moreover, I have always received a follow-up call from one of their team members, checking in on the health of my puppy, when she has fallen ill. Which is such a grand personal touch. It’s greatly appreciated at a pet-parent. I have recommended ASPCA pet insurance to others, and feel confident that I will continue using to myself for my dog.

My poor dog drew the short straw as far as injuries and ailments. If not for ASPCA insurance I would not have been able to provide her the care she needs. Constant ear infections, food allergies, cranial cruciate surgery, (one down,one to go)???? A true godsend!

We had a pretty good experience with our ASPCA Pet Health Insurance provider. Our cats (2) were recently diagnosed with urinalysis tract infections and one underwent surgery, so I was extremely happy with my decision to get their health insured. Everyone was very pleasant and helpful each time I called and the claims were processed and paid promptly. We recently renewed for a second year, so would recommend to anyone who would like to keep their pets healthy and give peace of mind that they won’t be caught in a bad position should an accident or illness arise.

The service is very easy to use - I love the online uploading of receipts and direct deposit of reimbursements. Policies are clearly explained and there have been no surprises or difficulties thus far. I'm very glad to have the support of ASPCA Pet Insurance!

Recently had to make a claim on the insurance from ASPCA pet insurance and was happy with the results. They paid out what they said they would. The app wasn't the most user-friendly and found that it was best to just fax everything to them. That was easy for me but may not be for everyone. It took a while for the claim to be processed but I think that was mostly due to using the app. Now that I know the easiest approach, the next time should be quicker. Overall was pleased with the experience and will recommend to friends and clients of the vet clinic where I am employed.

I rescued 2 little souls and never expected to be in the emergency vet with one of them within 6 months. Claim was handled professionally and fast. Preventive care visit was as well... never expected to be reimbursed for preventive. So worth it for the cost. Would recommend ASPCA Insurance to everyone with pets!

When my Yorkie mix had to have knee surgery, I had to use our ASPCA insurance for the first time. They were incredible! They kept me informed as to where the claim was in the process, if the needed more information from the vet. They also informed me that the vet had not yet gotten back to them and that I might want to contact them as well. Nothing ever got lost in the cracks! They paid my claims in timely manner once they finally got the information they needed. The process couldn't have been more seamless! We will be staying with them for the life of our pets if this is how they treat their customers! They are the epitome of customer service!!

First time ever buying pet insurance and I would say it was well worth it. After reviewing many other pet insurance policies, I found ASPCA to be the most complete coverage. I always find it crazy the doctors fee is excluded during a visit for reimbursement.

I love this insurance. I tell all my friends and strangers who are out walking their dogs to get this insurance. They are great to work with, friendly and actually provide genuine coverage that really helps from getting broken teeth pulled to back surgery. They are a must have.

I been with this company for a long time, when my dog was younger and rarely get sick. Now my Pomeranian 11 year old everything change... she had broke her hip. Took her to the vet. My bill was over $400, ASPCA did reimbursed me after deductible. I got $46. However my dog has to go back to the vet because the medication make her sick, second bill they don't cover because pre existing. The third bill my vet cannot treat her unless she had to have sonogram. The bill was $650.

My big dog Bandit tore his ACL and required surgery. We took him to a canine orthopedic surgeon in Hinesburg. The cost of the operation was over $2500 and I had my ASPCA check before my credit card bill arrived. ASPCA is prompt and caring. I received a phone call from Bob at ASPCA a few weeks after I received my check inquiring about Bandit's health. They really care and are there for you when needed.

I have been very pleased with our Doggy Insurance. I am so glad you have our backs. This last incident with our dog could have been thousands out of pocket without ASPCA. I would recommend to my friends and family.

I wish my monthly payments were lower. On the other hand the deductible is low so after one teeth cleaning for our little Silky, the deductible is met. Filling a clam is super easy and I get my refund in about two weeks. Overall I like knowing if something happens to my dog, I don't have to see my life to cover it.

Hello, ASPCA! So far, I'm so happy I've purchased your insurance. You've never denied a claim, and you make the submission process about as easy as I could imagine. Of course, I do wish pet insurance featured some of the good things found in better human health insurance policies (HSA accounts, copays), so if you're willing to blaze those trails, you've got my support.

So far, I have had nothing but a positive experience with ASPCA Pet Health Insurance. They are quick to review my claims and process payments for me. The best part is receiving calls from agents to check in on my dog if they notice something "major" happened to her. It feels great that they take the time to call and check in to make sure she is doing better and getting healthy. Couldn't be happier with the service!

Overall good experience. The plan is not great about taking claims and notifying you if there is any data missing. I have found I have needed to follow up on several claims. Very nice customer support and have approved all claims to the extent of the plan.

This is our first time ever having pet insurance and are thrilled with how caring they are. Several years ago we lost our beloved cat to illness and an inability to pay for extensive care. We said we would never be in that position again. So when we got our two new kittens, we purchased ASPCA Insurance. Our experience so far has been wonderful. We are so grateful to be able to get our pets care without going into debt. The coverage has been affordable and they have been very responsive whenever we have had to submit claims.

My two four-month male Chihuahuas are insured with ASPCA and I set this up even before I brought them home. ASPCA offers a range of coverage options, and the agents with whom I have spoken are gracious and knowledgeable. I also switched my Chocolate Lab over from another company.

I’ve had nothing but good experiences with ASPCA insurance. They’ve been very diligent with my claims and responded in a timely matter. They’ve also been very nice and helpful when I’ve called on the phone and asked questions. They also have been very sweet by calling and following up after my dog was ill to see how she was. Great company! Thank you! My doggies say thank you too!

Couldn’t be happier with my pet health insurance. Unfortunately I’ve needed it a lot in the past year and it has been really easy to submit claims (super easy and quick online) and I get reimbursed in 3 weeks by direct deposit. It’s that simple. Also everyone I’ve talked to there has always been so friendly and helpful. They even helped me retain my original plan when I almost changed it and it saved me $2,000!!! Thank God! I feel like they really care about me and my Grace.

I took all 3 of my pets for their check-up. I returned home to submit all claims and wow, super easy to do online. You can follow the process after submitting and even have the money directly deposited into your account. Simple!!

Great people and company. Easy, fast and painless when submitting a claim. I would have never thought they would pay on my pup. They did and reimbursed me within 20 days. I have referred them to anyone looking look pet insurance. I wish my BC/BS was this easy to deal with. Pup is recovering well.

I am so thankful my friends urged me to go with ASPCA health insurance for my two big dogs. When an accident struck my Vizsla mix, and he couldn’t walk, I was overwhelmed with the potential cost of surgery. Because of ASPCA I was able to get him the healing surgery he needed and was not left in immense debt for years to come. Instead of working extra to pay off vet bills, I can spend extra time caring for the healing of my big man! PLUS, the app made it super easy to submit and track the processes of my claim, when I had questions, the folks on the other end of the phone were SO kind, communicative and understanding. Thanks ASPCA.

I have been faithfully trying to keep my dog alive and happy since his terminal adrenal gland cancer diagnosis last fall. The vet visits and chemo prescriptions are very expensive and the ASPCA $3,000 per incident coverage limit, while helpful, only covers a portion of the costs. We have been paying into our policy for nearly 9 years, ever since we rescued our pup. Now I have just been told that his coverage will go DOWN for his "ongoing condition" once the year re-sets on September 1. Yeah, let that sink in a second. It's not a pre-existing condition, it's an "ongoing condition" for which we are only entitled $1,000 in reimbursement going forward.

They are very good about paying back the money you pay to the Vet. I just wish the monthly fee was less. It adds up to a lot after a year. I would also like to say that the representatives, on the phone, are very nice, warm and friendly.

I am so happy to have ASPCA Pet Health Insurance. I have had no issues since I joined and the claim process is so easy and simple. I also love that someone always calls to check on how my dog is doing after the claim is processed. Love the direct deposit from any claim going straight to my bank account.

I spoke with a very polite and patient customer service representative about my cat's doctor bills. The representative answered all my questions, never once making me feel rushed or hurried. I am happy with the manner in which the representative handled my call and happy with my reimbursement. Thank you ASPCA!

My husband and I are very pleased with our ASPCA pet insurance. We had another pet insurance prior to us getting our current insurance. The people we spoken to are very attentive and care about our pet. Our dog Bella had 22 teeth extracted back in May. We knew the cost was high, but to our amazement we received almost the total cost we paid out. We received a call from you folks asking how our Bella was doing, and asked if there was anything we needed. We are very happy with the pet insurance that we have told our friends if they are thinking about pet insurance they should consider ASPCA. Keep up your fabulous work.

I love it! The insurance app has been very user friendly. I plan to continue using it for a while to come. Thank you for the incredible service. I appreciate it. I have no complaints about all the claims I have submitted.

I have been with them since I got my two pups that are now three. They have been great until I tried to change coverage at my yearly renewal. In order to change coverage within the company you have to cancel the current plan. So no pre-existing conditions are covered on the new plan that the older out of date plan did cover. Their plans changed so much that when I went to look at the new plans I would have been saving over $100 but was not eligible if I wanted my pets history to carry over. They do not reward loyalty or offer current members new discounts. Customer service was trash. They just kept repeating themselves and refused to take my concerns to management.

My dog Penny has been found to have kidney issues. This was the first time I used insurance for my pet. I am very satisfied with the results. My money came back quickly and I was given an explanation of each refund. Thank you I will encourage my friends to look into ASPCA insurance!

Was a pleasure working with and there were no issues regarding the claim submittal or reimbursement. Everything was done in a timely manner as well I am glad to have gotten this insurance for my pet and it was definitely not a waste of money.

Every time I have needed to submit a claim it has been easy and very streamlined. The website is easy to navigate and when I have called staff were friendly and knowledgeable. I would recommend ASPCA pet insurance to all animal lovers.

We have had ASPCA pet insurance for close to 10 years. Now that our cat is getting older and having some issues, I have found that ASPCA's barely covers 1/4 of the cost of any of the medications we purchase and sometimes closer to 1/8th of the cost and they only allow 75% of the cost on many procedures - and then I am only reimbursed for 80% of that, so they end up paying very little. California is a very expensive state. They need to adjust their rates to meet prices encountered here. They're very friendly on the phone, but need to put their money where their mouth. I would not recommend them as a good pet health insurer.

I am very happy with the prompt response from my ASPCA Pet Heath Insurance. They always respond and very prompt in the payment. They even call me to see if my pet is alright. Thank you ASPCA Pet Health Insurance.

My cat developed melanoma of the iris. He had to have his eye removed. Thanks to ASPCA insurance it really helped to make this affordable to have done. Wittles is doing great with one eye. I would recommend getting this insurance for your pets.

Nothing but the highest regard for ASPCA Pet Insurance. Recently my son Gator underwent TPLO knee reconstruction. Everything regarding ASPCA went flawlessly. They also provided followup calls to inquire about the condition of Gator and how his post-op care was progressing. They also took the time to inquire about his sister Alli, our mini pit/pinscher making sure she was doing well also. Thank you for your great care ASPCA.

We have multiple pets. Our monthly fee gets high but the benefits are worth the expense. We are totally satisfied with the service. We have found reimbursement to easy and prompt. My only suggestion would be for a larger discount for multiple pets.

The ASPCA pet health insurance has the most courteous customer service. During a time when your best friend, in my case my cat Beezo, was so seriously ill from eating a poisonous plant. I had to go two emergency rooms, my regular doctor, she had to have ultrasound I was fretting so much about his health and also worrying about the cost of what this is going to cost me. When I sent in my claims they were expeditiously handled and they were kind enough to call me to see how my cat was doing.

Thus far, I have been pleased with my insurance. Easy to access and file claims. Customer service is excellent!!! Claim can take anywhere from 7-15 days to process. I would recommended - and have recommended to many friends and they are now signed up.

Helpless, no timely follow ups, delayed claim processing, app is not robust and barely gives details. I tried to increase the insurance coverage in the future and never got a response back. The claims take WAY TOO LONG to process and the notification emails aren’t as prompt as it should be.

Have nothing but praise in regards to our ASPCA insurance experience. We've had the insurance since our now 11-year-old lab was a puppy and have had a very positive experience for all of these years. Would highly recommend ASPCA insurance to anyone who has a pet. Thanks and keep up the great service!

Very happy and pleased with this company. Staff is always friendly and helpful claims are handled quickly and reimbursement is in a timely fashion. I was very satisfied with how all of my claims were handled in regards to my pets health.

After losing my older boxer last year to cancer after he had just knee surgery, I decided to get insurance for my female boxer. I insured my younger cat as an afterthought. Bentley has been sick since March and just recently had a thymoma tumor removed. The insurance paid on all of my claims and within a timely manner. I was worried about what kind of an increase in premiums we would have since we hit the cap with Bentley. I was pleasantly surprised that our premiums will increase based on age, breed and area, not how much we used it. I was also called to see how we were doing on a couple of occasions since they could see that Bentley was having some serious health issues. That was nice and they also gave me some options for when we renew. I would highly recommend ASPCA Pet Health Insurance to anyone considering insuring their fur kids. It made health decisions a lot easier knowing that they would cover it.

Our son who has a dog just diagnosed with cancer suggested we look into pet insurance. We called our vet who recommended ASPCA. The rates were responsible for our two dogs so we signed. Our youngest dog developed a lump right after that our vet said had to go. We filed a claim and within weeks we had a check in the mail. Everything is done right on my iPhone. Easy. We recommend to all pet owners to buy this insurance. Gives a pet owner peace of mind.

I have found the service to be exceptional. Insurance submission claims are easy to submit, review process is fast and easy to track, and reimbursement checks expeditiously cut and sent. Follow up calls are made by ASPCA staff to find out our my pet is recovering. Class act all the way around.

We looked at a lot of different pet insurances before deciding on the ASPCA, and we're very glad we did. When our cat needed major surgery, ASPCA took the financial worry out of the equation so we could focus on getting him the best possible care. We were reimbursed very quickly after submitting our bills. When we called to check the status, the rep was super friendly and even helped us set up direct deposit to make sure we would get reimbursed as quickly as possible. I really appreciated the follow up calls to check in on us, and see how our cat was doing. They were really genuine. I would recommend ASPCA pet health insurance to absolutely everyone.

The first claim I filed back in April was handled quickly and the reimbursement was quick also. Now my second experience is a tad bit slower. I filed 3 claims for two of dogs almost 2 weeks ago, I have heard nothing, the website shows it's still processing. I emailed customer to see if they could advise the status of the claim. I still have hear nothing from them... Would like to know what the standard processing time of a claim is.

Service was friendly, easy and responsive. My claim was easy to file, follow-up was quick and processing and administration was very responsive. They even followed up to make sure I got my claim check and that service was as expected.

I am a new client who moved to ASPCA when my former insurance was not giving great service or coverage. I'm absolutely delighted with the way ASPCA managed my very first claim. Chester, my beautiful tuxedo kitty gives a paw up to what will no doubt be a long relationship >..<.

I am quite pleased with the insurance for my Siamese Kiriel. Claims are paid in a timely manner. I just wish you guys would cover prescription cat food. He has kidney disease and needs special food for that. Also wish you would reconsider pets with pre-existing conditions. That would help with adoptions of pets who would not otherwise be adopted.

I recommend ASPCA pet insurance to all of my friends who have pets. I love how you could customize the insurance. I love that they processed the claims very fast and super easy. Love the app and the direct deposit option.

Thank you for following through and providing us with peace of mind so that when our loved pups are not doing well, our sole focus can be on getting them better. Your app made submitting claims pretty simple, and that is also very appreciated. Because of our recent experience, a friend of ours has signed up for pet insurance for their dog through ASPCA Pet Insurance as well. Thank you so much!

I am happy that most of the expenses were reimbursed, but am not clear on why some of the expenses were not covered besides obviously the deductible. It is also very nice that you call to check on her after treatment, however I am rarely able to pick up my phone, especially during work, so it would be more beneficial for you guys to email me.

The claims submitting procedure on the app is extremely quick and convenient and claims are processed quickly. I even received a follow-up call from an associate checking in on how my dog was doing after her TPLO surgery. That went above and beyond what I was expecting from coverage!

This insurance is the best thing that has happened to us since we got our two young dogs. Being raised from puppyhood, they had lots of random sicknesses, as puppies do. We were at Banfield through PetSmart but we didn't like the way they treated the dogs and their insurance was a rip off. We feel comfortable now and not stressed about taking our dogs to the vet. Also this insurance allows for us to see better veterinarians who treat our dogs with the utmost care. We know we will be reimbursed for most of the bill when they are sick or hurt. ASPCA usually gives me a call after one of my dogs has had several appointments to make sure they are okay. They are the best insurance. They really take care of us and it means more than I can express. Recommend to everyone. 10/10.

The process, being my first, was a little lengthy probably because I needed to give more information, but once I figured that out all went VERY smoothly and quick. Love that I have a backup plan in case my fur babies get sick. It's a wonderful feeling. They took care of everything fast! Recieved a check asap. Wow!

My experience with the ASPCA Pet insurance has been nothing but positive. Unfortunately, my cat became diabetic and has also been diagnosed with Cushing's disease, and thus I have been submitting claims almost on a monthly basis. I have always found the insurance people courteous, sympathetic, knowledgeable and helpful. The claims themselves have been recognized and paid within a reasonable period. I have and would recommend the ASPCA insurance to anyone who has a pet.

This was my first experience with pet insurance and it's been just great. Good communication. Great service and prompt payment. I wish my personal health insurance was as well structured, efficient and polite as the ASPCA. I recommend it. Best way to go...

I took out insurance with ASPCA on my two cats not sure if it would be worth it. It didn't take me long to realize it was the best move I had ever made and now I wish I had done it long ago. They pay their claims fairly and honestly. The people I have talked to have been so nice and empathetic. Their kindness has been so appreciated. They understand. I can highly recommend this company and the people who work for it. Best thing I ever did!

I recently submitted a claim and it could not have been easier. The claim process is extremely streamlined and painless. It was completed on the app and I submitted a photo of the veterinarian receipt. The claim was handled quickly and I received my reimbursement check within days!

Everyone has been so friendly and helpful. Every one of my claims which are probably around 6 or 7 have been processed in a timely manner. This insurance has been a wonderful investment and I highly recommend it to anyone looking to take out pet insurance.

Nothing but great experience. I have 3 dogs insured. Discount is good, but bigger discount would be better! Only added coverage convenience would be direct pay for care, rather than waiting for reimbursement. I have already referred several family and friends.

Akron, OH - STAY AWAY from this insurance. This is a total scam. My dog a blood test with elevated liver enzymes for two years (high but stable), no other symptoms, healthy overall. I had the insurance with them for over an year prior to me submitting a claim for an ultrasound that the vet requested after the last blood tests (where the levels were significantly higher than even before and she had a developed a cloudy eye). There is still no firm diagnosis for why this is. But the blood tests from two years ago qualified as 'preexisting condition' even though at that point the dog had no symptoms of anything and they denied my claim. They are no way related to ASPCA the non-profit animal rescue. These guys are all for profit, not animals.

ASPCA acting as a cheap spamming emails company. After I got a quote for my dog - the ASPCA company got crazy with their promo emails! After some time I started getting emails from other companies with their promo insurance offers for my dog. Obviously ASPCA company was trading my emailing address to other companies. Just no need such annoying company which as I can see irresponsible and has negative impressions by the ASPCA company clients.

I have had my dog on the ASPCA Pet Health Insurance for 10 years. Recently, he had been diagnosed with discoid lupus which could be a lifelong condition. Upon submitting a claim, for tests and treatment which was over 600.00, the ASPCA Pet Health Insurance refused coverage due it being a "pre-existing condition". Come on, he only had it for the last six months. Their response to my complaint was that I had to upgrade his policy six months ago which I wasn't aware of and would have done had I known. My monthly bill was always paid by automatic deduction. I would suggest another Pet Health Insurance Company, but keep in mind all insurance companies set up loopholes to avoid fulfilling their obligations.

Remember if you read their policy regarding covering pre-existing conditions in 180 days it is a lie. If you ask them on the phone, you MIGHT be covered if they decide it qualifies. I added a policy with the ASPCA and thought with their new policies that it was a good choice. That couldn't be further from the truth, and I have already cancelled after less than 24 hours. They called to "welcome" me to the ASPCA and I proceeded to ask them questions regarding pre-existing conditions. The representative told me that anything even not diagnosed would be considered pre-existing. I asked then, since I had a situation where a dog was diagnosed with hip dysplasia after being x-rayed for a knee problem, how I could know all of the issues my dogs had when that dog didn't have symptoms. Keep in mind that I was clear during the conversation that the dog I asked about had an accident only policy and wouldn't qualify for illness coverage.

Stay away from this people, I've had them for some time. All ok while I didn't submit claims. Just paid the monthly fee, since May 2017 every claim I have submitted has been denied citing condition began on prior plan period although it is not true! Mind you claims have been for less than $300. Customer service does nothing, complaining gets you nowhere, they have pre-conceived ideas and applied them to deny claims. All they want is your money...stay away!!! Find a better insurance your pet deserves it.

My dog was diagnosed with a heart murmur in September. I submitted an estimate to my insurance company in the amount of $1,190 for the testing. They said they would pay $892 of that. The tests actually ended up costing only $638, so I submitted the invoice after they ran the tests. ASPCA Insurance said they would pay none of that amount since it turns out he has a congenital valve condition and they had a clause that said they would not pay for that. How convenient and how unreal that they didn't tell me that when I submitted the estimate. But I shouldn't be surprised -- there's always a reason for them not to pay up. This company has paid just $155 since I started the insurance in September 2016.

The ASPCA essentially scammed me out of my money, by saying that the reason they didnt accept my file is because they didnt receive 'background information' after 4 tries. The vet sent them the information and then they said it was 'beyond the waiting period'. I was not given any notice about how to resolve the problem. This is a PROFESSIONAL SCAM. Save your money.

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.