ASPCA | Pet Insurance Review

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.

I submitted a claim in 2024 for my pet’s allergies. I then submitted a claim in 2025 for a visit to the vet for an ear issue. At the same visit, we asked for a new prescription for his allergies. The claim was denied because they state that the ear issues related to his allergies, which is false. I will be dropping the insurance since I’m paying a lot of money every year for claims to be denied.

This comp[any has been borderline dishonest trying to block my very legitimate claim. Demanding Medical records for the last 2 years when thy only said the waiting period was seveeral weeks for new claims. I submitted the records which show this is a new claim and they send me emails denying they received them which is a lie they arejust trying to get out of paying a legitimate claim. allan M. Shanberg MD

ASPCA Pet Insurance has been a complete disappointment. They 𝓭𝓮𝓵𝓪𝔂 processing documentation while simultaneously rushing to deny claims - they denied multiple separate claims, claiming they "couldn't obtain documentation" despite my uploading all requested documents the day before the denials were issued. The timing alone proves they never actually reviewed the documentation I provided. When I had to resubmit everything via email and request reconsideration, it became apparent that this is likely a standard practice to 𝓭𝓮𝓷𝔂 legitimate claims without proper review. More recently, they've denied additional claims for one of my cats with zero explanation whatsoever - claims that should clearly be covered under the policy terms. When challenged, they 𝓭𝓮𝓯𝓮𝓷𝓭 their inexplicable decisions rather than provide actual justification. If I had the time and resources, I'd 𝓭𝓮𝓹𝓸𝓼𝓮 their executives under oath about these practices. The pattern is unmistakable: collect premiums, create processing delays, deny first, then defend the indefensible when customers fight back. This isn't insurance - it's legalized theft through bureaucratic obstruction. For a company trading on the ASPCA name and reputation, its claims handling is disgracefully predatory. It's happy to take your premiums but will use every procedural trick to avoid paying when your pet needs care. Save yourself the frustration and find an insurer that actually honors its policies -- or better yet, deposit the money you would have spent on premiums into an interest-bearing account and pay yourself back when needed. ASPCA Pet Insurance appears designed to collect premiums while systematically denying legitimate claims through "processing errors" and unexplained rejections.