ASPCA Pet Health Insurance is the third pet insurance plan we've tried over the past 20 years. Their coverage is average, their "fine print" is average, and the speed of their claims handling is average. The biggest and most heinous issue with this company is their adherence to reimbursements based on a totally out-of-touch, unreasonable and almost fraudulent set of "average local charges" as published by some pro-insurance-company (and perhaps owned by them) rates researcher.
Generally, ASPCA has reimbursed our claims at an average of 40 to 45% of what we've had to pay the veterinarians, regardless of the illness, medical procedures, or other costs. For a $350 procedure, they "allowed" $151. For a $260 procedure, they "allowed" $127. This is not including deductables. When we asked them to provide the name of a single veterinatian within 25 miles who charged what they were "allowing," they claimed to only go by this published book and could not provide names. When I asked for the name of the publisher of the book, they refused to provide it. Needless to say, the book, whatever it is and whoever publishes it, has no relationship to the real world and merely serves to accommodate their unreasonable payouts.
Think twice about any pet insurance company. In hindsight, we've realized that it would have been more cost-effective to self-insure by setting up a savings account and paying the "premiums" to that account.