$130 dollars a month, finally submit a claim, and denied with no explanation? My dog needs injections. Now paying $130 for insurance and $100 for each injection. What is the point of having this at all? What is actually covered? Extremely unclear. Certainly will not remain a member and would never recommend to anyone else. Extremely dissatisfied and disappointed.

Told me that though my cat was undiagnosed (lymphoma), her symptoms (throwing up) started before the start date of my plan and so no expenses toward her survival would be covered.

They really don't cover much and the deductible is high, and they did not apply ANYTHING from my last vet visit to my deductible, no explanation. The claim process is relatively easy and the phone reps are nice and helpful, but for every single claim they want the SOAP notes from the vet. I've never had to do this with other pet insurance companies.

My horse fell and had an injury due to the accident of falling. My claim was denied. Seems like they will do anything possible to not pay out on a claim

My dog received 2 vaccines as followup to his yearly well visit: Leptospira 4Servovar Vaccine, 1yr and Bordetella Parainfluemza IN 1yr.

Quick reimbursement

I don't like the fact that the insurance doesn't kick in right away. You are made to pay right away but it doesn't start coverage until 2-3 weeks later. 6 days after I got it my dog was injured and I had to pay $10k out of pocket because the insurance didn't start coverage until 2 weeks later.

My teacup yorkie was surrendered to me in May with a pre-existing condition (broken bone) which already knew they can’t do anything about. Got this insurance in July specifically for wellness checks, shots, and dental cleanings. The extras I pay monthly are a plus.Took my teacup yorkie in Sept for a dental cleaning only. Went ahead and had his vet do a fecal test, got his Trio (flea, tick, and heartworm chew) along with some other things I knew that “were covered” with his plan that I chose with add-ons. Almost $900 paid up front. My plan’s Deductible is $100 and 90% reimbursement. Submitted the claim. In the EOB they put in there under “accident and illness” they tried to contact the vet to get info on him from sept 2023 to now. I didn’t have that info but he wasn’t sick nor was he there for an accident. I called the previous owners got the info and added that info to my claim…. I got way less than 90% of the almost $900 paid up front. Somebody make it make sense.

My claim was denied for my dog because she had the same problem last year- she was having trouble with her hind legs At that time, the neurologist wanted to do an mri on her spine but I could not afford the $6000 bill because she was having dental surgery, which also cost 💲 6000 . I finally was able to get the mri done this year and ASPCA insurance will not pay a single dime of the bill since she saw the doctor last year for this problem.

This is the worst pet health insurance I have ever had. Every single time I file a claim, they say it is pre-existing. For instance, my horse had a cut on her butt. She also had a cut on her chest. Neither of these were tracked by a vet ever before the day of treatment. They said that because she had a cut in two places, she was ineligible for coverage.