OK Insurance, not great, not too bad

7
Out of 10

Representatives are nice and polite. The process is easy to follow. The premium is affordable.
The "80% of reasonable Charge" is not good. I compared several vets in my area, they all charge the similar price, but ASPCA considers all of them over charged, so I really get reimbursed 50%-70%. Don't know where ASPCA get their standard of charges for my area. ASPCA should provide a list of vets in each area that do not "over charge" patients, that will make their decision more acceptable.

First month after activate insurance, the health issues are not covered, this should be improved. The puppies that were checked by vet before go to new home at 8 weeks of age, and was checked right after arrive the new home(next day?) should be immediately covered, unless the illness happened within first month of insurance is determined by vet as an existing issue started before Insurance was bought. Puppies are very like babies, need extra care, that is why I buy insurance for them. One month no cover but still need to pay premium is really not right.

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Injury/illness
Diarrhea
Claim Amount
$100 - $500
Breed

German Shepherd

Age of Pet
Under a year

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Posted: 05/26/2011
By:  

Ms. Liu, we’re glad you’ve found our premiums to be affordable and are pleased with our service. Just a quick note to address your one concern: Our accident coverage starts the day your plan goes into effect, which is either the 1st or the 15th of the month, depending when you enroll. Wellness coverage, if included in your plan, also goes into effect the day your plan goes into effect. Illness coverage, if included in your plan, starts 30 days after your effective date in most states. To keep our premiums lower, we don’t cover illnesses that already exist. Most underlying illnesses will appear in the first month, so we have a 30 day waiting period for illness coverage. If you have any further questions about your coverage, please call us at 1-866-204-6764 so we can help.

Posted: 05/26/2011
By:  

Ms. Liu, we’re glad you’ve found our premiums to be affordable and are pleased with our service. Just a quick note to address your one concern: Our accident coverage starts the day your plan goes into effect, which is either the 1st or the 15th of the month, depending when you enroll. Wellness coverage, if included in your plan, also goes into effect the day your plan goes into effect. Illness coverage, if included in your plan, starts 30 days after your effective date in most states. To keep our premiums lower, we don’t cover illnesses that already exist. Most underlying illnesses will appear in the first month, so we have a 30 day waiting period for illness coverage. If you have any further questions about your coverage, please call us at 1-866-204-6764 so we can help.

Posted: 05/26/2011
By:  

Ms. Liu, we’re glad you’ve found our premiums to be affordable and are pleased with our service. Just a quick note to address your one concern: Our accident coverage starts the day your plan goes into effect, which is either the 1st or the 15th of the month, depending when you enroll. Wellness coverage, if included in your plan, also goes into effect the day your plan goes into effect. Illness coverage, if included in your plan, starts 30 days after your effective date in most states. To keep our premiums lower, we don’t cover illnesses that already exist. Most underlying illnesses will appear in the first month, so we have a 30 day waiting period for illness coverage. If you have any further questions about your coverage, please call us at 1-866-204-6764 so we can help.