Don't waste your time. Save your money and use it for your pet's needs. Remember when self checkout, ATM's, pumping your own gas, etc was going to save us tons of money? Me either! Same here. First claim they wanted everything but a video of my dogs birth. That plus the outrageous copay of $115.00! My medical copay is $10.

I have carried this insurance for over 2 years. Although my policy states allergies are covered, the insurance has not paid out anything. They claim they need more info, which I have sent as well as sent them my vets info. I have called on multiple occasions and the representative has always been kind and ensured me they would "personally be handling my case" I never hear from them again. Now my dog has a pre existing condition so while I can go to another insurance, she will never be covered with anyone else for her allergies. I have poured $1000s to ensure my dogs would be covered and I've gotten nothing but lies and being ignored. I will continue to submit claims and make calls until they pay what is owed. As for my other dog, I am removing her from this policy. I know now that if something happens to her, the ASPCA does not have us covered!

They will not give you money back they are full of Bs they will just take your money

If I could give 0 stars, I would. Just another company that wants your money, lie to you, and then do nothing.

If I could rat 0 stars I would.

I have been paying monthly for 9 yrs and i have submitted 4 claims. Submitted 2 just this month. Both claims were a week apart. First claim they took out my annual 100 deductible. Second one they also took out a 100 deductible. Worst customer service ever.

Its been 15 days since I submitted my dogs claim and everyday its denied because of missing medical records? My dog has had 2 doctors in the past couple of years, the first one retired, which is the reason changing doctors. This doctor recommended a specialist for his condition he had a year ago, we never visited that doctor because he was 45mi away. ASPCA repeatedly asked for medical records from both doctors and the specialist. I contacted his current doctor and the previous doctor and both confirmed sending ASPCA my dogs medical records and to be thorough, I also sent them copies as well. But they keep denying ever receiving them and now are demanding medical records from the specialist my dog never saw? I contacted the specialist and they do not have any record of my dog ever visiting? This morning I called again to check the status, and of course it was denied again for missing medical records. I think they intentionally make it difficult to discourage us from submitting a claim, I'm completely exhausted, everyday I'm spending an average 30min arguing and explaining, I can't do this anymore, I'm just trying to help my dog get better, I watch him suffer daily, no one knows whats wrong with him but so far I've spent $1800 on diagnostic tests and bloodwork and exams. These people don't have a heart.

Not at all satisfied. Their plans should have stated pre-existing symptoms (which come from a host of conditions or illnesses), not conditions.

My cat Lucy 10 yrs old had to have emergency surgery to remove her right eye on 8/13/24. After being told the surgery needed to be done immediately I called ASPCA pet insurance at 4:00 that afternoon. Having read the claim form there is a place you can check "to pay the vet". That meant to me ASPCA would do a pre-certification. While speaking to an agent named "Bunny" I was told how to fill out the claim form and send an estimate from the vet to an email address. After waiting for three hours I called back only to be told by a supervisor that pre-certifications cannot be approved after 5:00 pm!! It was now 7:00!! Finally after three hours of crying the Vet offered me a payment plan if I put down $1000 which I did. I called today 8/26/24 to followup on the claim. I stated I had final actual numbers to report. Spoke to Michael and after a very long conversation he said he would cancel the old claim and I should start a new one. I went to my online account and saw that the claim had been denied due to a pre-existing condition. It was not the old condition of the eye that caused the need for removal it was an accident to the cornea! What I cannot understand is why I was not told of the decision not to process the claim AND being told to submit new documents when the claim was DONE!! Needless to say I will never buy pet insurance again I will save that money to pay for future care for Lucy!!

I like they are responsive when claims are submitted however I don’t like that doctor visits aren’t covered even though I got the preventative care included! Every time we go to the Vet, we pay over $125-150 and the insurance only pays $20 lol