ASPCA | Pet Insurance Review

In November of last year we decided to get pet insurance for our dog. Soon after, she was playing in the snow and tore her ACL which was listed as covered under her policy. We took her to the vet and they recommended surgery but we decided to hold off and hoped it would heal on its own. Unfortunately, it didn't and five months later she had surgery. All of her claims were denied due to her ACL tear being labeled as an "illness". The vet wrote a letter confirming the date of injury, type of injury and clarifying that it couldn't be an illness as it was related to an injury. I have called countless times, written countless emails, and now am consulting with an attorney. If the policy specifically claims ACL injuries are covered, they should be covered. She had absolutely zero prior issues with her ACL, never limped or showed any signs of problems prior.

I started my claim back in May only to find out that my coverage didn’t include the reason I took my cat in, so if that is the case I don’t I might as well not have coverage, thank goodness I didn’t have to pay thousands of dollars because I would have been up the creek.

So far so good. Thanks for your support

Never know what costs could run up to, and being on limited income could devastate us.

Not getting replies regarding questions is frustrating. I'm having second thoughts about selecting insurance through ASPCA rather than another provider.