Out of 10

The ASPCA health insurer has managed to pay only 11% of my dog's health costs over the five years of my policy. 11%! For example, they denied a claim for a set of xrays and an office visit when he injured his leg (partially torn ACL) because it was more than 180 days, and then denied the cost of his pain medication because the prescription was from a "prior policy period". Seriously, this insurer finds every possible way to reduce or deny claims. Why would you pay a premium to be reimbursed for only $146 out of $1291 in claims?

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Joint injury
Claim Amount
Over $1000

Labrador Retriever

Age of Pet
1 - 8

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Posted: 05/23/2013

Call them! They'll fully explain and give you an answer to your last question! If you are not happy with the answer and feel your claim was entirely denied in error, you can always submit your claim for a review. I did this for 2 claims that were denied last year. They were then all covered as promised, except for 1. I wasn't upset about the 1 completely denied, though because I read my policy when I got it in the mail and fully understood what was/wasn't covered, the percentage of coverage for average in my region, and the annual deductible I chose. If that doesn't explain it, call them! Their representatives are fully willing and more than happy to answer any questions you have about the denial or denials. They're very helpful with those things!