We adopted a dog in October and bought an ASPCA policy effective November 10, with a 14-day waiting period. He had kennel cough when we got him, then developed symptoms on November 18 and was diagnosed on the 19th. Antibiotics did not fix things. After an emergency visit of about $700 he was diagnosed with pneumonia and needed more treatment. A follow-up claim was denied, while earlier claims were still in the queue. I am exhausted and trying to figure out what the waiting-period rule means for the later pneumonia care.
Owner Experience
Our adopted dog developed pneumonia and ASPCA denied a follow-up claim
Pet owner experience
Adapted from a publicly shared experience · Original discussion. Personal identifiers are changed; reported insurance details are preserved. This adaptation was published October 2026.
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