ASPCA | Pet Insurance Review

Filed a claim based on an estimate from my vet. Got an invoice later that day but found that I could not add docs to the claim. About a week later my account showed the claim completed and reimbursement sent via direct deposit to my bank account. I assumed that ASPCA had contacted vet and verified the actual bill. 5 business days go by nothing in my bank. Call up customer service and rep tells me they do not pay on estimates ..I have to file another claim with the actual invoice. I say " but the computer says the original claim has already been paid.." Maddening!! I have filed another claim ...now I expect to hear that their records show they have already paid that claim.. Even more maddening!! Pet insurance is just not worth it..I have paid way, way, way more in premiums than If i had just paid cash out of pocket to the vet and on top of this is all this opaque bureaucratic nonsense designed to make it difficult to get a legit claim paid. Don't get me started on the customer service wait times!!

My only complaint is the length of time it takes to get money for a claim. It says the average time is now 26 days. I’m pleased so far with the reimbursement amounts. So far so good.

What made my experience great was finding insurance that covered health and dental. Most pet insurances don't cover dental. This option made it very convenient.

Expensive service that doesn't cover vet visits, surgery or medication prescriptions. They don't give a fvck bout you or your pets. Claims taake 3x longer than estimated and, as I mentioned, 90% get denied. If you love your pets go with a different company. DO NOT PAY THIS COMPANY.

thoroughly researched many pet insurances and decided this was best for what I was looking for. The website was very easy to navigate and easy to apply for. Speaking with customer service rep was very helpful and informative. She patiently answered all my questions and concerns. Thankfully have not used it yet to comment on that aspect! I insured all 3 of my dogs and feel a big weight of worry off my shoulders. Can't comment on the claims and reimbursement process at this time but hope it goes as smooth and stressfree as joining was!