They will find any reason to deny your claim. I got my dog from the pound and all of his old medical history we could not get ahold of because it was not given to the pound we got it from. We only had the medical records from whenever he was in the pound to whenever we started taking him to the vet. They were trying to deny the claim because they didn’t have any of his records to see if they could prove that it was a “pre-existing condition”. They will try to say that everything your dog has is a pre existing condition. Do not recommend and this is a SCAM. If you do try and call about it, they’ll tell you that they’ll have someone reach out to you but within 3 weeks I never got a single call and any time I would call to get an update they would act like they didn’t know what I was talking about. DO NOT RECOMMEND AT ALL.

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After reading the unhappy reviews I decided to cancel the policy I applied for 18 days ago. Even though they claim to return your money 100% if you cancel within 30 days they did not. Now I will keep shopping for another company.

I filled out a claim form with all pertinent details but mistakenly used the wrong category for my claim. This shouldn't be an issue because the documents I submitted should prove my pet's conditions. They denied my claim twice without looking into the docs that I sent and I had to go through an appeal process just to get someone to actually READ the claim. Truly disappointed

The ASPCA has repeatedly denied claims that were covered during the same policy period necessitating several, time consuming, appeals. I have referred this company to over 100 people over the last 8 years I have had coverage for my dog because the coverage was clear and promptly paid. Si9nce January, 2025 every claim has been denied. I am hearing from several people I referred to ASPCA Ins that they have gone elsewhere for the same problem.

I filed a total of 14 claims, but they only paid out on a couple of them and only a small amount—$25 out of a $476 claim. I've been with them for two years and recently decided to cancel my policy. I pay over $125 monthly, but I've had no approved claims during this time. This is the worst pet health insurance; I wouldn’t recommend it because they don’t make any payouts!

So very disappointed with processing claims , the amount of reimbursement and overall lack of being clear .

I am a newer customer. After reading reviews and comparing plans, we went with the ASPCA plan. We just filed our first claim.

This insurance company is truly a scam when it comes to paying out. If it’s routine there’s not a problem. However don’t waste your time, energy, or money on any other plans. They will lie about contacting the vet office, lie about attaching files, lie about calling you back, and lie about what they need. I have been fighting this company for almost two months for insurance I pay for. If I’d just put everything I pay for this in an account I’d have had better luck. The last contact was being promised by a supervisor that multiple people would be written up for lying to a customer and not doing their jobs only to once again have the supervisor lie to us and again not reopen a claim that they had all the information on in the first place. Don’t waste your money. I’ve already sent in complaints to the better business bureau. It’s disappointing that they offer to help and just leave you in a worse spot with more stress when you animal has injuries .

This company does everything in its toolbox to not pay claims. Even when your dog is sick. RUN RUN RUN away. I wish I had chosen another company. What a waste.