Poor coverage

Out of 10

My older lab developed cancer. We were told we could extend her life with surgery and chemo. We went ahead and had the surgery, but we were too late, and lost her a week later. ASPCA insurance has a PER INCIDENT maximum. They counted all her exams as well as the surgery as a single incident. We were only reimbursed for a fraction of the cost. I recommend that you look for insurance that does not include the per incident maximum. (They also only covered "reasonable costs" which were usually far less than my vet charged.)

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Claim Amount
Over $1000

Labrador Retriever

Age of Pet
Over 8 years

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Posted: 02/11/2011

Holly, we’re very sorry for your loss.
I want to try to address one of your concerns, though please feel free to call us about your other questions.

Fees charged for various services in different regions can vary quite a bit, and accounting for all of those differences could make our premiums higher. To prevent this, we reimburse 80% of usual and customary covered charges, which are costs considered reasonable in areas similar to yours. We use available fee information and proprietary data to determine fair reasonable costs.

If you have further questions about our reimbursements, please call us at 1-866-204-6764 so we can help.