ASPCA | Pet Insurance Review

I got this insurance because I needed help diagnosing my dog's eating problem. I went to 2 different vets for a diagnosis. When I submitted a claim for the second one, they wouldn't pay it because I had gone to the first vet for the same issue. Therefore, they called it a pre-existing condition. I thought such conditions were ones established before I got the insurance; also ones which had been diagnosed. I felt this was a sneaky way to avoid payment. Basically, for conditions which are not preventitive, they only reimburse you for one time your pet is treated for a specific reason, after you have paid the high deductible. This pretty much defeats the purpose of getting insurance, if you ask me. I will say the insurance was useful only for preventive treatment, which has no deductible. I'm not sure if that is also only a one-time reimbursement for things that are on-going, such as regular shots.

This is our first time using ASPCA insurance for our horse and it had been an amazing experience. Claims are easy to process and payment is prompt. I’m impressed.

Im going on day 40 of not getting my reimbursement back, customer service is definitely not great either.

I have submitted several claims for my dog now and it always seems to be something as to why they won't cover it. The first one was super frustrating because they said it was a preexisting condition despite my vet literally submitting a document that clarified the actual symptom start date within the coverage period and they still won't cover it. Then the next claim they are saying they won't cover because the Dr isn't on some recommended list that isn't mentioned anywhere in any of the coverage docs... I'm more than a little frustrated and definitely am feeling like the monthly premium I pay for his coverage is a money grab and a waste of my money! I also have my horses covered, and just submitted my first claim for one of them, and they are trying to deny coverage because there isn't enough medical history... uh ya they weren't sick or injured so they didn't go to the vet for anything but routine shots... so how could there be medical history other than that? Ridiculous.

I cannot even get into my account. It says I have to register and so I try to register. Then it tells me I’m already registered and to sign in so I sign in. Well none of my passwords are working so I clicked forget password. Then it tells me I’m not registered. It’s a pain.