I have had pet insurance for our lab for 8 years. 3 years ago, due to her age, my existing policy was transferred over to ASPCA, along with a significant rate increase. I have NEVER filed a claim until 2 weeks ago, for an ear infection and her inability to put weight on her front paw. My total bill was $1300+, with a $500 deductible. So far, I have heard nothing from ASPCA and the website indicates that the claim is "in que". I spoke with a customer representative, who told me that he would take care of it, and so far nothing. After further research, I learned that in the state of Florida, pet insurance, is under the jurisdiction of the State Insurance Commissioner. The good news about this, is that companies that deny and delay claims can be forbidden from doing business in Florida. If any of you are in Florida, I have attached information on how to file a claim.

So far ASPCA Pet Health Insurance is not paying treatments that should be covered, not communicating about what is needed in order to pay a claim!!! Just declining saying unable to obtain medical records from the veterinary clinic?!!! Then why didn't they ASK ME for it?!!!

Failed to payout simple inexpensive claims.

The insurance is accepted at many clinics so I can take my pets where I prefer. The rates are excellent and affordable. They also answer the phones and clear up any confusions

Very friendly and knowledgeable people that work there. You can just tell they love pets and it shows. Would recommend them to everyone!

Thank goodness our dog did not have any health issues this year, so we did not need to use the insurance.

Was good the first year but now it seems I constantly get claims denied for all kinds of different reasons? Never the same answer on why from the reps I speak to? Inconsistency big time lately? Once you have any pre existing, they figure they’ve got you stuck so the denials begin I guess. It’s always about the almighty dollar I guess with all insurance companies. Sad. 😞

Tried everything they could to deny my claim stating preexisting conditions when my dog had never had a hot spot or ear infection ever.

You overpromise and under deliver. By design. For profit. Your customers' pet's well-being is not your highest priority. Maximizing your profits is. It is your entire busines model, in fact. Everything else is marketing and PR. Our pets are very important to us. You guys are soul-less business & law school predators. Sleep well.

It’s great insurance when or if a service is covered for your pet. Be ready for a fight for payment.