DO NOT sign up with this pet insurance policy company. They have denied my dog coverage of a cardiac condition he developed as a result of his advanced age - 17 - claiming that it is excluded as a “congenital” disease. My vet wrote a letter in support explaining that my dog contracted mitral valve disease due to age-related circumstances and that it was never an issue before this, that no records in any exam indicated any cardiac issues in the past 16 years. Still, they denied coverage making this bogus claim. I’ve been a customer for 17 years and have paid well over thousands of dollars through the years, just for them to deny this??? My dog has hardly ever been ill before this incident. I am appalled at this company and would STRONGLY advise you to look elsewhere for your pet’s health insurance needs.

I have had my dog, Stella, insured with ASPCA since I got her in 2012. On 10/19/18 I decided to upgrade my coverage to a newly filed and available plan. I recently filed a claim for Stella for a dental infection. She was also treated for dental infection back in 2017. The company has denied my claim, stating that my original coverage was cancelled on 10/19/18 and new coverage began on 10/20/18. After being a loyal customer with uninterrupted coverage for over 12 years, they are using this as a loophole to deny coverage. And of course at Stella’s age, I can’t really move her to another insurer. Beyond unethical and so disappointing.

I am extremely disappointed with the handling of my pet insurance claim. My dog, oscar recently suffered an ACL tear, which I was informed by a customer service representative would be covered. However, despite submitting all the necessary medical records from 2023, my claim was denied because of a previous ACL tear in 2021. This decision is frustrating, especially given the assurances I received from your staff when I initially called. The information provided to me earlier did not align with the final decision, and I feel that the denial of my claim is unfair and does not reflect the coverage I was promised. It’s disheartening to deal with such inconsistencies when I was simply trying to provide the best care for my dog. I hope the company will take this feedback seriously and reconsider the way it handles claims like mine in the future.

This is a horrible pet insurance company. Refuses to cover procedures that are listed as being covered in documentation. Lied about contacting our vets office. Have requested a supervisor to call us back three or four days in a row with no return phone calls whatsoever. Don’t waste your money, take the money you would spend monthly and save it and use that towards your vet bills instead.

This is a horrible insurance for any pets

Just got puppy Disappointing to find out you have lowered the reimbursement for spaying and neutering. I would think as a health care insurance company for animals. The one thing you would push is make affordable for people on your policy (whether it’s the first tier or a higher tier like we have) is reimbursing a better rate$$$$$ for spaying and neutering. Our vet charges over $500 and you portion should cover more.

I wish that I read the reviews before joining. When aspca says that they pay for preventative — they lie. I called around and could not form anyone who would spay or give vaccines for this minimal price. Not only that, they do not cover all of the vaccines. Which is sad. They paid less than 1/6 of the spay fee. I tried canceling the preventative part of the insurance — but then they do not allow you to cancel it. The racket is that once you sign up, you are in for paying all the bills yourself — and them. Sad. I am a physician and if human insurances did this — they would be sued and would not be in business.

DO NOT USE THIS SHADY INSURANCE COMPANY. They will deny every claim even in urgent situations. There is 14 day waiting period which they don't disclose. They are only out to get your $ and provide shitty service and no insurance when one needs it most.

Our family cat had a medical emergency and was vomiting blood and we had her covered by ASPCA. The vets were telling us it was medically necessary to keep her overnight and xray her. After providing all requested medical records which proved no prior medical issues, they flat out denied. UNBELIEVABLE! Warning do not spend you money with ASPCA or Fireman's Insurance. We need a class action against them for denying legitimate claims. I am honest and this was a medical emergency, my wife as a RN and I have EMT training a vet at 1AM saying it's an issue and them denied says enough. I'll take my pets and $1300 year premiums elsewhere.

My total bill for Ashley’s Vet Visit was 984.47 - I paid 500.00 deductible leaving 484.47 and I was reimbursed 82.85. Now this just doesn’t sit well with me. I was under the impression 90% reimbursement means I should receive 436.02. Was shocked when was told that they only pay what they feel is the appropriate charge for services provided. So think twice about using this insurance. I know I’m looking elsewhere.