Here’s a frightening claim from a customer that thankfully had a happy ending: A Miniature Dachshund ripped open a bag of disposable razors, chewed on one and ingested the metal blade, plus the plastic surrounding it.

She was taken to a veterinarian, who spotted the razor blade in an X-ray. The dog was given medications to help the blade pass, which happened quickly without causing any problems.

Luckily, the dog didn’t need surgery, and the treatment costs were relatively minor. Nonetheless, ASPCA Pet Health Insurance was there to help and reimbursed the customer more than $100. We’re so glad his dog is OK!

Have you recently submitted an interesting ASPCA Pet Health Insurance claim? Tell us about it!

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Customer Stories

All through the year, we get flooded with emails and letters from ASPCA Pet Health Insurance pet parents who tell us about times when their pets suffered sudden illnesses or unexpected accidents. Even in the midst of worrisome situations, ASPCA Pet Health Insurance was there to help with part of the veterinary bills.

As we ring in the New Year together, let’s take a look back at a few of the top stories we received in 2010. They’re a touching reminder of the loving bond between pet parents and their pets, and we’re so glad we could be there to protect the furry members of these families.

Because Accidents Happen
“My Bullmastiff, Beatrice, is very inquisitive so I was careful to remove all potential hazards from the house–or so I thought! But one day I came home to find the living room covered with pillow stuffing. Beatrice had demolished three throw pillows. She started vomiting, and I rushed her to the veterinarian who recommended X-rays. I knew it would be costly, but I went ahead anyway. Luckily, Beatrice didn’t have an obstruction, only a belly full of stuffing that passed without surgery. I submitted a claim, and it was promptly covered. Truly, anytime I’ve had to file a claim, it was a breeze. Your staff is very caring, and getting ASPCA Pet Health insurance was one of the best doggie decisions I made.”
—Sara S., Henderson, Nev.

A Helping Hand when Illness Strikes
“We have a lively 3-year-old Calico cat named Tess, who has been covered since we brought her home from a local shelter. One day she got very sick, so we took her to the veterinarian. Over the next few weeks, Tess had more tests and X-rays than we could count, but we wanted to do whatever the veterinarian recommended so we could help her. I’ll admit that each time we entered the veterinarian’s office, I said a silent ‘thank you’ that we had your insurance. Tess is now her energetic self again, and we’re so grateful to our veterinarians and ASPCA Pet Health Insurance!”
—Elizabeth O., Fisherville, Va.

Keeping Pets in Good Health
“Our Westie, Dorothy, hasn’t had any major medical problems, but ASPCA Pet Health Insurance has been extremely helpful with the costs of her check-ups, special visits to the veterinarian for infections, sprains, and itching as well as needed medications.  You make it very easy to file a claim, and replies are prompt and clearly explained. We also feel that Dorothy is not simply a numbered client, but someone whose health you’re genuinely interested in. We’re certainly glad we chose ASPCA Pet Health Insurance.”
—Bob K., Flint, Mich.

In Case of Emergency
“I have an adopted cat named Licorice who’s almost 9. I knew I had to protect her after she ingested a piece of material from a chair, and I had to pay for an expensive surgery to remove it. I’m glad I signed her up because just six months later, she swallowed a small bolt that came off a cat scratcher. I had to bring her to the emergency animal clinic late at night for yet another surgery. Then she suffered from an infection after I took her home. All of this added up to almost $3,000. If it hadn’t been for your insurance paying a portion of my bills, I don’t know how I would’ve cared for Licorice. But she’s happy and healthy today thanks to the emergency veterinarians and ASPCA Pet Health Insurance!”
—Allison P., Philadelphia, Pa.

Do you have a recent story to share? Email me!


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Customer Stories

A Pet Parent Asks:
After I submit a claim, how soon can I expect my reimbursement?

ASPCA Pet Health Insurance Answers:
Claims are processed within 30 days of us receiving all information necessary to evaluate the claim.

While we make every effort to process claims as quickly as possible, claim turnaround times can fluctuate based on the number of claims we receive. We review every claim carefully, and we may require additional information, such as medical records. 

You can track the status of your claims easily online at our free Member Center. Click here to get started!


Pet Parent Q&A is a regular column that answers customer questions in an effort to educate others. This is not a forum to receive responses to specific inquiries. Please call Customer Service at 1-866-204-6764 or email for immediate assistance.

Often when we think about preventing animal cruelty, we imagine animals across the country in ghastly situations. But we recently received a claim where another’s cruelty sadly hit close to home for one of our customers.

Not long after the Miller family* bought coverage for their cat, Bingo, they noticed that his leg was injured. Initially, they suspected that the wound was a result of an animal fight, as Bingo spends some of his time outdoors. But, after close examination and a series of X-rays at their vet, it turns out that he had been shot with a pellet gun, evident from the remaining bullet fragments in his leg. Bingo required same-day emergency surgery to repair his femur, which was smashed into two pieces.

Extensive recovery followed, which equated to mounting vet bills—$1,500 to be exact.

“Even though our cat’s welfare was most important, in the back of our minds, the money was still obviously a major concern,” the Millers told us. “…We really appreciated not only ASPCA Pet Health Insurance’s prompt action on this terrible matter but also their professional manner all around. We love him and are so glad that our decision to do everything possible to make him well again was supported due to our coverage!”

The Millers ended up receiving more than $1,100 in return for their claim. And Bingo is back at his window perch, monitoring the backyard.

Have a story to share? Email me!

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Customer Stories

A Pet Parent Asks:
How much time do I have to submit a claim?

ASPCA Pet Health Insurance Answers:
Claims need to be submitted for processing within 180 days of the date of service. 

For an ASPCA Pet Health Insurance claim form, click here.

You can submit the completed form to us by mail, fax or email (you’ll find the contact information on the claim form). You also need to submit a copy of the invoice from your veterinarian, but your veterinarian does not need to sign the form.

Questions? Call us at 1-866-204-6764.


Pet Parent Q&A is a regular column that answers customer questions in an effort to educate others. This is not a forum to receive responses to specific inquiries. Please call Customer Service at 1-866-204-6764 or email for immediate assistance.

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Hartville Group News & Info


As we’re dedicated to making a difference for pets, we want to keep you informed about pet health topics and your ASPCA Pet Health Insurance plan. Our blog will provide you with fresh, interesting and informative topics—from pet health tips and customer stories, to the latest industry news and a Pet Parent Q&A column. Most of all, we encourage you to share comments and join the discussion!

Meet the Author

Julia H.

Social Media Coordinator

Pet Parent to:

Lucy, an 8-year-old rescued Golden Retriever/Chow Chow mix

Blog Guidelines

While we’ll strive to present all viewpoints on this blog, comments will be reviewed before posting. Offensive or inappropriate language, off-topic remarks and comments containing personal policy information will not be featured.

Also, conditions discussed in this blog aren’t necessarily covered by every ASPCA Pet Health Insurance plan. For full coverage terms, conditions and exclusions, please refer to your plan.

As always, if you have a question about your plan, call us at 1-866-204-6764.

*Note: While these testimonials may include examples of recent claims payouts, reimbursement is subject to the terms and conditions of your plan. Identifying information has been changed.