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.

My doggie was having routine dental cleaning. During this procedure, vet called and recommended several teeth to be extracted. This was the 1st occurrence that the vet recommended extraction. We had other dental cleanings before this. Vet would call me back within minutes to provide me with extent of surgery and fees. While waiting for vet, I immediately called ASPCA insurance. The rep was extremely kind. She looked at our plan and said since it was the first time having procedure (extractions) that we have a $250 deductible and then our plan would pay 90% up to $3000.00. Submitted claim for $2300.00. When claim was processed it was for only $1000.00. Called and spoke to rep at ASPCA. ASPCA obtained something called SOAP notes from vet office. ASPCA determined that there was a note in 2018 , 6 years ago, that the doggie had a note of dental build up . tarter on teeth. We provide complete vet check up every 6 months with the same facility. When I called to verify why the difference in reimbursement amounts, 50% vs 90%, I was told the 90% would have only happened in 2018, even though it wasn't medically necessary or advised by vet. Now would only be eligible for one time reimbursement of $1000.00 under continuing care. Somehow this doesn't seem right. Would request further explanation for this reasoning of denial of 90% of fees.

at first i didnt like this insurance because i felt like i as spending money on the insurance. it didnt seem to pay off. Everything i submitted was being rejected. I felt like it wasnt being off, thats why i bought cat insurance to helped out when most needed. Evenually i guess i paid the maximum amount so it started paying off. Even if paid alot out pocket for my dusty it was worth it but having insurance for him was a blessing. Now i can keep trying for cat to live a little bit more,

I am really disappointed with ASPCA stating and acknowledging of a double charged error in their system and I have called the day of 10/1/24, and 10/04, 10/07, 10/15 and 10/22. Even if it's an amount of $77.87 it's still robbing and not yet reimbursed as promised. I confirmed they had my checking account number and still nothing. I am not happy with having to keep checking my account.I have emailed and said if I do not get reimbursed I will dispute this amount and will cancel and shop elsewhere! Anyone else going through this issue?

don’t bother with them.

Reply from ASPCA Pet Health Insurance

Didn't cover some of the vaccine costs required for my dog to go to daycare, and it was also not effective in covering the cost of an exam.

Terrible insurance. More expensive than most of insurances and keep denying claims for ridiculous reasons. They say something is pre-existing but it is not. They bend the rules in their favor. We were clients for 3 years afraid of leaving and something bad happens to our dog. But enough is enough.