My Dog was seen by a very renowned Cardiologist last August of 2011 for a consultation advised by my local Veterinarian. He was at this time diagnosed with Cardiomyopathy.The bill was submitted and denied after having ASPCA Ins. almost 2 years.I went through the Appeals Procedure including a letter from his Cardiologist stating that the cardiomyopathy just diagnosed was in fact not a pre-existing condition! More time went by and I received another denial of one single dollar based on the opinion of an unnamed "ghost" Vet hired by ASPCA. There were contradictions in his report and no valid basis whatsoever for this denial. I am extremely unhappy with ASPCA. Shame on them for not employing correct ethics to a paying customer.Their goal seems to be profit above & beyond fairness & doing the right thing by the customer. A very bad experience!