ASPCA | Pet Insurance Review

They are fraud stay away from ASPCA . They got claim for my doctor for Anal Sac Disease and all notes and records indicated clearly by licensed vet reason for visit Anal Sac Disease. ASPCA instead of paying for this claim denied me and said reason for denial: ALLERGY - preexisting. When i called each time spoke to someone who clearly couldn’t understand basic English which was frustrating. But finally spoke to a manager and she said YOU ARE CORRECT this is NOT allergy or preexisting not sure why denied for that. You provided all evidence and papers THIS IS ANAL SAC disease reason for vet visit. I said to the manager can you mow pay the claim since finally someone cared to check and agreed you denied us incorrectly, she said No ma’am. It is already denied but if you like file a appeal takes 90days hopefully second time whoever review it check all forms correctly and pay the claim. This is clearly SCAM from insurance company. We donated yearly to apcsa cancelled that immediately and not cancelling my policy because that is what they want refuse to pay and refuse to make corrections so you get frustrated and cancel move on But we are going to file formal complaint against them as we have all evidence this is fraud act by refusing to pay the claim based on the policy we paid for years.

We have had ASPCA Pet Insurance for over 4 years without any issues. This past year we have used the insurance covering our 2 dogs and claims were submitted and completed timely and we were completely satisfied. I would highly recommend ASPCA for pet insurance.

Representative thoroughly explained my policy. Reimbursement process was simple.

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 used to love this company with my previous cat. I’d submit what’s needed and they’d reimburse me with no issues. I adopted a new cat and now they keep asking for the same documents multiple times and have not approved a single claim while still taking my money every month. They’ve turned into a scam.