ASPCA | Pet Insurance Review

I haven't used the plan yet however, when I had technical issues the service was excellent.

I appreciated to receive a follow up call to go over all the plans benefits :)

Haven't used it yet!

I have had some issues with getting clams processed, but it finally went through. I've increased my rating at this time. We will see how future experience goes. I will continue to increase if the issues are actually improved.. if I continue to have further issues, I will keep my review updated with any negative ongoing experiences as well. Hopefully it doesn't take months to process the next time I submit a claim, and hopefully the customer service is a little more helpful if contact becomes necessary.

Watch out for terms that are not disclosed in their marketing: Claims limited to percentage of "Usual and Customary". Reimbursements are not adjusted for costs in different cities, and are inadequate for high-cost areas. Little to no information is provided in advance about typical reimbursement rates, rather you need to presubmit a bill for advice, after you have the plan. Cumbersome and unrealistic. They should at least provide sample reimbursement scenarios for various standardized situations, as is done with human healthcare. Also, claims denied after 270 days after service, even during Covid emergency. Too expensive for what you get. Used to be a good policy, not any more. The plus side is that the salesmen, and perhaps the claims agents, are happy to spend a lot of time on the phone with you, if you like that sort of thing. I would prefer those resources be used to increase reimbursements, not just talk.