ASPCA | Pet Insurance Review

I have had ASPCA insurance for my cat for several years. I have no complaints whatsoever with their claims processing or customer service. I have had to appeal a couple of claims and have had a positive outcome. However, the annual increases in policy costs are absolutely unconscionable and the explanations for the increases are generalized and not sufficiently supported. My premium increase 30% last year and this year will increase an additional 50%! There is no reasonable justification for such increases year after year, except that they can get away with it. If your pet has preexisting conditions, they will not be covered by another company. The only option the policyholder has to mitigate the cost is to reduce coverage in some way. Hardly a customer-friendly policy.

The buying experience is not user friendly. Why isn't it clear when policies take effect? Why isn't a physical policy sent to my home? Where are the instructions on how to get payouts?

The service used to be so much faster and effective. I didn't get my money until a week after getting my claim accepted. The process takes almost 6 weeks in total. ASPCA isn't the same.

Customer service was prompt in their response time. However, I needed to contact customer service because I had not been provided all of my customer/policy information as stated upon sign-up.

It was easy to follow and met what I was seeking