ASPCA | Pet Insurance Review

I have had two policies in the past neither covered annual exams. My dog’s insurance was a great investment and helped greatly when she developed an illness. I had my cats insurance from @2012 to 2019. In December of 2019 at a vet visit the office noted we should consider prescription cat food for developing kidney disease. When we took him back to the vet a few months later the vet took blood work and recommended we start a medicine for his kidneys. When I submitted the bill it was denied and I was told it was a continuing illness from the previous year and was not covered. I still don’t understand the denial. Six years without a claim and then told it was not covered. We have been paying for meds and now infusions three years later and have no insurance coverage. I do not think the very limited coverage was worth much once a problem develops in an older cat. Money wasted for six years. I thought I had him covered for catastrophic illnesses but evidently it all has to happen in the same year. After talking with a rep I was told that the coverage really wouldn’t cover anything anymore since the kidney disease was life threatening I cancelled after many years with only a claim for one prescription being sent. Very disappointed!

Said that an injury was pre-existing to decline a claim despite that the injury occurred while my horse was covered. I thought ASPCA would be better, but they're just as blood sucking as every other insurance company looking to deny every claim whether warranted or not. Disappointing.

Easy to upload the claim. Direct deposit. Everything went through as it should.

Have to wait to use my insurance but never told me what when I opened it

The customer service agent was very helpful during a stressful time when my dog needed surgery. Claims are processed in a timely manner. My only wish is that the insurance offered a higher amount than $5,000