My pet is 7 months old and they are requesting a full year of vet information prior to considering my first claim. So far not going well at all.

First time buying pet insurance and thought I was going with a reputable company. My very first claim for my dog's torn acl was denied. I called customer service and was told it was because there was a reference in my pet's records of occasional stiffness in that same leg, even though at which time the vet said her leg was fine and recommended a joint supplement due to common hip problems with labs...a totally different issue. I will be filing an appeal since my vet agrees the denial is ridiculous, but I assume it will be denied, and then I will be cancelling my insurance with this company. Lesson learned. Go elsewhere or skip the insurance altogether.

If you notice, all of the 1 star reviews are very similar to my review of this company’s “pre-existing injury” scam. They use it to cover almost every ailment and get away with covering your pet. This is a company that is supposed to love and cherish animals and look at what they are putting people through. Than they’re staff members laugh at you on the phone. They even commented on my last post saying they were interested in helping me and they still have done absolutely nothing. Please avoid this insurance if you love your pet.

They didn't cover anything, even with deductible. There was no communication on claim denial or reason.

I have been highly disappointed with the lack of coverage that’s offered. For the monthly fees, you really don’t receive reimbursement for any claim. Also, before I joined there was no access to what the reimbursement amount was for the wellness shots. I finally was provided this list yesterday. Well, it fell very short from what my Vet charges. So between the deductible, only covering a set amount personally I don’t think it is worth the cost. I have always supported the ASPCA and what wonderful work they do, but their insurance coverage is not worth the money! I will be canceling my policies immediately!

Not worth it

Poor communication throughout claims process. Claims take a long time to settle. I’m shopping around for alternative pet insurance. Website has unreliable functionality. Claim will state to upload documents, but no button to click to upload.

Be careful. The flagged my pet with a pre existing condition of “allergies” and so now they flag any issues as “allergy” to not reimburse. I had to rush my dog the an urgent vet because he was bitten by a spider in the neck which caused inflammation, raspy breathing, and swelling. $262 vet bill for an antibiotic shot. ASPCA denied my claim within a day since apparently that falls under allergies… Called in, was told the decision was final but I could jump through multiple hoops to try and dispute it with a long vague explanation that included me mailing in a letter. (Idk if true but that’s what I was told)

They randomly do not cover things because they do not understand usage and treatments.

Generally I don't have a problem with the insurance, the damn chatbot is so freakingly unbelievably annoying that they are lucky I couldn't rate it at 0 stars. The only reason I gave it two stars is that when in the past I could get ahold of a person they were very good to work with.