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!

I have yet to find a vet that bills my insurance

I have been trying to submit a claim for the last three months. The invoice and the notes from the veterinarian was submitted multiple times. They continue to deny it, despite all the documentation that they claim they do not have although I have evidence that I have submitted it and copies for the same.They are extremely inefficient. I plan on discontinuing this insurance as I think it is a hoax.

Absolutely infuriated with ASPCA, going through the sign up process it seemed like a lovely value, and my understanding was that the preventative limits were what were always covered up to, not if my vet charged a single cent more, nothing would be covered. I feel scammed of my $120 spent on my new puppy, who went through his crucial vaccination period and I received hardly anything back from the insurance because everything cost $35 instead of $25. It makes absolutely no sense why you would refuse to pay up to your allowed amount, and instead decide to cover $0 because my bill was higher. I should be responsible for the $10 difference, not the full amount PLUS my monthly premium. Simple a scam and I will be canceling.

They denied coverage of my pet's ACL surgery and treatment claiming it was an illness not an injury. I contacted my veterinarian about this and they claim they have never heard such a ridiculous denial. ASPCA will not be there for you or your pet, do not recommend the use of this company. Either a lack of knowledge or lack of compassion, very poor experience

Horrible. Accepted us under insurance and then conveniently wouldn't cover claims because of “pre-existing conditions…” despite being undiagnosed for anything. It would have been nice if they told us this before we paid a large sum of money for multiple months. We recieved 0$ despite clearly meeting our deductible… and oh by the way, all the money we spent on those bills did not EVEN count for the deductible… Anyone having these issues just go to AKC as they are only pet insurance that’ll cover “pre-existing” conditions. This also applies to “pre-existing” conditions that are UNDIAGNOSED. DON’T WASTE YOUR MONEY!!!!!