ASPCA | Pet Insurance Review

I had high hopes for this insurance based on reviews and that it was affiliated with the ASPCA. PSYCH! It’s NOT! This is an advertising scheme! When I submitted a recent claim (February 2026) for my 11 month old dog’s illness that was denied, I called and was told that there was a 14 day waiting period due to new insurance (I’ve had and been paying this premium since August of 2025). I asked to speak with another customer service rep to get more clarification who told me something completely different. I then asked to be transferred to a supervisor who spoke over me for the entire conversation and then said, LITERALLY, if I had waited longer to bring my dog in for treatment, my bill may have been covered. I have paid over $800 and been reimbursed less than $100 AFTER paying $1800 in vet bills. Avoid at all costs. Lemonade has more comprehensive coverage without all the sketchy caveats. Don’t let these people take advantage of you. THIS COMPANY WILL DO ANYTHING TO NOT PAY. DO NOT RISK YOUR PET’S HEALTH BY USING THIS SHADY COMPANY Regarding your response: Since you know I have been in touch with customer service, you should be able to review the calls and determine the ineptitude of your employees and the conflicting answers I received. I appreciate that you took time to read my review and react! Now fix yourself. ALSO, for anyone reading this, the only reason why there are “verified” reviews with 4 or 5 stars is because ASPCA Insurance INVITED them to review by sending a link after a favorable experience. They are less “verified” than those of us that came on here to leave honest feedback.

I had high hopes for this insurance based on reviews and that it was affiliated with the ASPCA. PSYCH! It’s NOT! This is an advertising scheme! When I submitted a recent claim (February 2026) for my 11 month old dog’s illness that was denied, I called and was told that there was a 14 day waiting period due to new insurance (I’ve had and been paying this premium since August of 2025). I asked to speak with another customer service rep to get more clarification who told me something completely different. I then asked to be transferred to a supervisor who spoke over me for the entire conversation and then said, LITERALLY, if I had waited longer to bring my dog in for treatment, my bill may have been covered. I have paid over $800 and been reimbursed less than $100 AFTER paying $1800 in vet bills. Avoid at all costs. Lemonade has more comprehensive coverage without all the sketchy caveats. Don’t let these people take advantage of you. THIS COMPANY WILL DO ANYTHING TO NOT PAY. DO NOT RISK YOUR PET’S HEALTH BY USING THIS SHADY COMPANY Regarding your response: Since you know I have been in touch with customer service, you should be able to review the calls and determine the ineptitude of your employees and the conflicting answers I received. I appreciate that you took time to read my review and react! Now fix yourself. ALSO, for anyone reading this, the only reason why there are “verified” reviews with 4 or 5 stars is because ASPCA Insurance INVITED them to review by sending a link after a favorable experience. They are less “verified” than those of us that came on here to leave honest feedback.

I had high hopes for this insurance based on reviews and that it was affiliated with the ASPCA. PSYCH! It’s NOT! This is an advertising scheme! When I submitted a recent claim (February 2026) for my 11 month old dog’s illness that was denied, I called and was told that there was a 14 day waiting period due to new insurance (I’ve had and been paying this premium since August of 2025). I asked to speak with another customer service rep to get more clarification who told me something completely different. I then asked to be transferred to a supervisor who spoke over me for the entire conversation and then said, LITERALLY, if I had waited longer to bring my dog in for treatment, my bill may have been covered. I have paid over $800 and been reimbursed less than $100 AFTER paying $1800 in vet bills. Avoid at all costs. Lemonade has more comprehensive coverage without all the sketchy caveats. Don’t let these people take advantage of you. THIS COMPANY WILL DO ANYTHING TO NOT PAY. DO NOT RISK YOUR PET’S HEALTH BY USING THIS SHADY COMPANY Regarding your response: Since you know I have been in touch with customer service, you should be able to review the calls and determine the ineptitude of your employees and the conflicting answers I received. I appreciate that you took time to read my review and react! Now fix yourself. ALSO, for anyone reading this, the only reason why there are “verified” reviews with 4 or 5 stars is because ASPCA Insurance INVITED them to review by sending a link after a favorable experience. They are less “verified” than those of us that came on here to leave honest feedback.

I had high hopes for this insurance based on reviews and that it was affiliated with the ASPCA. PSYCH! It’s NOT! This is an advertising scheme! When I submitted a recent claim (February 2026) for my 11 month old dog’s illness that was denied, I called and was told that there was a 14 day waiting period due to new insurance (I’ve had and been paying this premium since August of 2025). I asked to speak with another customer service rep to get more clarification who told me something completely different. I then asked to be transferred to a supervisor who spoke over me for the entire conversation and then said, LITERALLY, if I had waited longer to bring my dog in for treatment, my bill may have been covered. I have paid over $800 and been reimbursed less than $100 AFTER paying $1800 in vet bills. Avoid at all costs. Lemonade has more comprehensive coverage without all the sketchy caveats. Don’t let these people take advantage of you. THIS COMPANY WILL DO ANYTHING TO NOT PAY. DO NOT RISK YOUR PET’S HEALTH BY USING THIS SHADY COMPANY Regarding your response: Since you know I have been in touch with customer service, you should be able to review the calls and determine the ineptitude of your employees and the conflicting answers I received. I appreciate that you took time to read my review and react! Now fix yourself. ALSO, for anyone reading this, the only reason why there are “verified” reviews with 4 or 5 stars is because ASPCA Insurance INVITED them to review by sending a link after a favorable experience. They are less “verified” than those of us that came on here to leave honest feedback.

I had high hopes for this insurance based on reviews and that it was affiliated with the ASPCA. PSYCH! It’s NOT! This is an advertising scheme! When I submitted a recent claim (February 2026) for my 11 month old dog’s illness that was denied, I called and was told that there was a 14 day waiting period due to new insurance (I’ve had and been paying this premium since August of 2025). I asked to speak with another customer service rep to get more clarification who told me something completely different. I then asked to be transferred to a supervisor who spoke over me for the entire conversation and then said, LITERALLY, if I had waited longer to bring my dog in for treatment, my bill may have been covered. I have paid over $800 and been reimbursed less than $100 AFTER paying $1800 in vet bills. Avoid at all costs. Lemonade has more comprehensive coverage without all the sketchy caveats. Don’t let these people take advantage of you. THIS COMPANY WILL DO ANYTHING TO NOT PAY. DO NOT RISK YOUR PET’S HEALTH BY USING THIS SHADY COMPANY Regarding your response: Since you know I have been in touch with customer service, you should be able to review the calls and determine the ineptitude of your employees and the conflicting answers I received. I appreciate that you took time to read my review and react! Now fix yourself. ALSO, for anyone reading this, the only reason why there are “verified” reviews with 4 or 5 stars is because ASPCA Insurance INVITED them to review by sending a link after a favorable experience. They are less “verified” than those of us that came on here to leave honest feedback.