ASPCA DID EVERYTHING POSSIBLE TO MAKE THEIR POLICY UNCLEAR WHILE SIGNING ME UP AND THEN PAID NOTHING FOR ANY OF MY PET'S ILLNESSES.
I also love the mission of the ASPCA but DO NOT BUY THEY'RE INSURANCE!
I purchased the insurance for my pet 6 years ago and thought she would be well covered. She was not.
First, for every single vet item I sent in, ASPCA did pay 90% but the key was that they paid 90% on what they considered to be normal prices. Therefore, if I paid 150.00 for shots, they claimed that the normal and customary charge should have been 50 and then paid 90% of 50...not 150. This occurred on every single line item.
So, although they claim on their web page that they do not have listed claim prices...they do.
Then, my pup was diagnosed with cancer on Oct. 24th. She began treatment right away but as of Nov. 1st that same year - SHE WAS NO LONGER COVERED as my policy renewed. Apparently, no matter how long you have this insurance, your pet is only covered one year at a time. If they get sick even one day before the beginning of the next year (it's different for each policy), they are not covered after the renewal.
When I asked about this, the representative stated, "It's just like homeowner's insurance. It starts over every year."
Also, when your policy renews, there is an 180 pre-existing period for all sickness that starts all over again. This means that your pet really only has coverage for sicknesses that conveniently fall into the proper t