ASPCA | Pet Insurance Review

I am very disappointed in this insurer and do not recommend it. Given that the policy alleges that a client can use "any vet" and be reimbursed at 80% of the amount bf the vet bill, I wrongly assumed that this insurance would have a reimbursement rate of 80% based upon a realistic fee. Albeit certain "reasonable rates" defined by ASPCA are surprisingly high (eg $120 for a specialist consultation), others are absurdly low (eg $27. for a urinalysis regardless of whether it was done in house or sent out to a lab) and just slightly over $200. for a multi-organ abdominal ultrasound performed by the same specialist that ASCPA considers $120. an appropriate fee for a consultation. Finally, the "reasonable" fees do not appear to be available until a claim is filed although a customer service rep suggested obtaining an estimate from the vet and then waiting to have services performed until ASPCA has an opportunity to "evaluate it" Overall, I am finding that I am being reimbursed at about 50% of the vet expenses that I was promised would be reimbursed at 80%. This insurance does not provide me the peace of mind that I hoped it would provide when I purchased it. And the company appears unwilling to make their list of "reasonable fees" upon which they provide reimbursement available. Moreover, although the staff is pleasant on the phone, I feel that find it annoying and unacceptable that I find their lack of transparency about determining reasonable fees to be unacceptable.

I was very pleased with the timely manner in which my claim was handled. Also the very courteous interaction with staff members. Thank you.

I've used the pet insurance for well visits, sick visits and emergency. It has always been a comfort knowing my black lab, Hunter, has been covered for a wide variety of vet visits.

I just love my ASPCA insurance and recommend it highly, the claims are paid quickly and customer service is very compassionte and helpful

I am quite pleased with my level 3 policy. It has delivered exactly as promised and I love the low $100 annual deductable instead of having a smaller deductable but it being taken out of every claim. The only thing I would like to see more is to have my claims direct deposited to my checking like they auto debit my premiums.