Our family cat had a medical emergency and was vomiting blood and we had her covered by ASPCA. The vets were telling us it was medically necessary to keep her overnight and xray her. After providing all requested medical records which proved no prior medical issues, they flat out denied. UNBELIEVABLE! Warning do not spend you money with ASPCA or Fireman's Insurance. We need a class action against them for denying legitimate claims. I am honest and this was a medical emergency, my wife as a RN and I have EMT training a vet at 1AM saying it's an issue and them denied says enough. I'll take my pets and $1300 year premiums elsewhere.

My total bill for Ashley’s Vet Visit was 984.47 - I paid 500.00 deductible leaving 484.47 and I was reimbursed 82.85. Now this just doesn’t sit well with me. I was under the impression 90% reimbursement means I should receive 436.02. Was shocked when was told that they only pay what they feel is the appropriate charge for services provided. So think twice about using this insurance. I know I’m looking elsewhere.

We started our policy when we got a new puppy, who ran into a handful of medical issues. Our vets/pet hospitals insist they've provided all required medical records, and ASPCA insists they never received them. All claims denied.

This is a terrible insurance company. They claimed "pre-existing condition" for something that was never indicated on my rescued pet (balls never descended so when he was neutered it was an invasive surgery and expensive).

should have told me about the different packages you offer

I hane been waiting since January and the first said they could not pur it in my account so they would mail it. Although I hsve called 3 times and talked to manager no money. 3 months and they keep saying it was resent manager said it had not. I am canceling.

Positive: very prompt in payment, paid exactly what they said was covered.

My dog tore her ACL, it took this company over a month to review the claim. They denied the claim for pre existing condition. She can only tear an ACL one time.

I have had my now 10 year old mixed breed dog covered through ASPCA for the entire 8 years I have had him. 5 of 7 recently submitted bills were denied due to pre-existing conditions. I called customer support who indicated that on 3-23-2023 my dog was treated for the same thing on my 3-2025 bill and therefore it was a pre-existing condition. First of all on 3-23-2023 my dog went to the vet for vaccines, nothing to do with the 2025 visit. In any event,

SCAM! Beware! They take your money but no claim is ever covered! I paid the covered for 2 years, submitted claims but they denyed coverage on everything so 100% out of pocket and 100% loss on policy cost. That is horsecrap!