ASPCA | Pet Insurance Review

I am on my second year of Accident + Colic Coverage on my 4 horses, and recently added Complete/Accident + Illness on my 2 cats as well. This is my very first claim. My horse recently sustained bone trauma that unfortunately caused a portion of the coffin bone to became devitalized and turn into a sequestrum. Super straightforward accident/injury, right? Wrong, apparently. My small claim for radiographs and antibiotics was denied, since apparently"no eligible accident took place." A different claim on my cat (extraction of several teeth with resorptive lesions) was denied because she previously had lesions on a DIFFERENT tooth (which was removed/cured), FOUR YEARS AGO. Apparently damage to one tooth (even if that tooth is removed) counts as a pre-existing condition on other, previously healthy teeth... Make it make sense. This claim also took over a month to process and included the company repeatedly asking me for my cat's vet records - from my EQUINE vet. Garbage customer service, garbage insurance. I will NOT be renewing coverage and I will be warning every pet and horse owner I know to stay far, far away.

easy to access and great/affordable coverage

good value for the coverage. I have not had to use the insurance yet so we'll see how that process is when the time comes.

Well I dislike the fact they do not disclose the fact that you cannot amend some of your coverage after you purchase the base insurance for your pet after the fact. You have to wait a whole year in order to do that. Now I cannot get preventative measures done for my dog such as vaccines, anti-parasitical medicines reimbursed. I have to pay out of pocket

Submitted 3 claims and all were denied. Customer service refused to discuss claims with me.