ASPCA | Pet Insurance Review

ASPCA has been great... until last week... when they reached out to me saying they had made a mistake a few months back and "accidentally" approved several claims that I had over 6+ months ago that they now believe were potentially caused by a preexisting condition. Which is not the case. And they are now asking me to repay them over $600 in the next 30 days from reimbursements they made to me literally between 4 months ago and 10 months ago. Absolutely absurd and unacceptable. I am good about not submitting claims that are truly for preexisting conditions, so this is just very disappointing. Not to mention - I don't have the $600 that they reimbursed me a year ago?! I would understand more if it were from last month, but there should be a limitation on how far in advance they can ask for money back.

Every single claim I filed for one of my cats for accident or illness was denied. Things that were supposed to be covered were, in fact, not. So $1,490 was not covered. this insurance is a money pit. I filed all of the documentation that was required. Don't waste your time or your money. I wish I hadn't spent $600 for the one cat's insurance.

ASPCA has been great... until last week, they reached out to me saying they had an error in their system, and they accidentally approved several claims that I had over 6+ months ago that they now believe were potentially caused by a preexisting condition. Which is not the case. And they now have the audacity to ask me to repay them over $600 in the next 30 days from reimbursements they made to me literally over 6 months ago. Absolutely absurd and unacceptable. I am good about not submitting claims that are truly for preexisting conditions, so this is just truly disappointing.

Paid into ASPCA pet insurance for 10 months for four cats to the tune of $2,500+ with virtually no claims other than a few preventative reimbursements, and when I actually did have a claim, for a congenital issue with one of my new kittens - literally added him to my policy and took him to the vet that day, he was diagnosed that day and I submitted a claim a few months later for his first round of treatment- they refused to cover the defect. Because he was born with this, and because he was seen before the waiting period had expired, they will not cover it. Had I known that even though ASPCA advertises 0 waiting periods everywhere, apparently the advertisements don't apply in my state, I would've gone with another insurance that does not have waiting periods, or I would've signed up for AKC insurance where they will cover pre-existing conditions after 365 days. Now I'm in a pickle, 7 months into my kittens coverage with this insurance, which could've been 7 months with AKC who would cover this congenital issue, or I could've worked with another insurance to get him coverage for this issue at the beginning. It's kind of a shame how they handled this situation. ASPCA doesn't care about your animals unless they can make money off of them.

I pay $125 per month, they covered $50 of the vet bill for well visit and did not cover the bortella vaccine. This is a requirement for dog boarding. I think this has become a very greedy company. I am afraid if there is a larger problem and they will over much less than expected. Disappointing company.