Been a customer for 6 months now, took cat to vet for urinalysis because she was peeing everywhere. Claim denied because ASPCA says they cant obtain medical records. See disclaimer at bottom of their website " The ASPCA® is not an insurer and is not engaged in the business of insurance. " Also no close account option in their customer portal. Closing account. Wont return.

Everything, Every. Single. Thing. was somehow coded under "pre-existing condition". Not once did anyone listen to me when I called to explain what the Vet procedure was for. ASPCA connected everything to some pre-existing condition and never approved a claim. Ever. I was basically paying ASPCA to tell me that they will not cover anything that I have done for my pet. Urine test, nope, Fecal test, nope. Blood work, nope, X-rays, nope. Ultrasound, nope. Medication, nope. teeth cleaning with a cyst removal, nope. My dog has never had health issues, still doesn't but somehow they have linked all of this together to something they call pre-existing. They never explained what the pre-existing condition is and never backed down from defending their decision. Never again, never recommend. Cancelled immediately.

Sent everything that was asked for and still closed my claim saying they needed more information. They used to be really good. I hope this is just that one employee and not what to expect from now on. If so, I'd have to strongly consider a different insurance.

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.

I have had Dutch for about a month because my cat has a UTI that won't seem to go away, you will never see the same vet twice, there is no way to follow up with a vet you have seen, there is no phone number and they do not get back to you at all via the messaging service text or email. I have been stood up by a vet and had a vet take a video call from her morning hike.

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.

Poor communication for reimbursement on multiple occasions. The nail in the coffin was when they stated that an ACUTE otitis media infection wouldn’t be covered because of a pre existing condition within the past 12 months of allergic dermatitis that occurred 10 months earlier. Let me just say this is hogwash … no offense to the hogs out there

don’t bother with them.

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?