Reimbursement rates for major metro areas are inad

Out of 10

I have two young puppies insured through ASPCA under their level 3 plan with continuing care. Level 3 includes wellness care. An unfortunate string of accidents and illness in their early months had us running to the vet almost weekly for a short time. I found that ASPCA's "reasonable and customary" reimbursement rates fell far short of my vet bills when it comes to non-routine care: x-rays, ekg's, etc. They also have a pretty lengthy list of expenses that are "exclusions" and are ineligible fore reimbursement. I have calculated that my actual reimbursement on vet expenses has averaged between 30% to 50% per claim, which pretty much defeats the purpose of having insurance. In my opinion, this insurance is a poor value for the hefty monthly premium, especially in light of the fact that they do not cover hereditary and congenital conditions. This basically negates coverage for most major issues a dog is likely to have outside of accidents.

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multiple claims ranging from accidents to routine spay/neuter surgery
Claim Amount
Over $1000

Cavalier King Charles Spaniel

Age of Pet
Under a year

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Posted: 03/21/2011

Eva, thank you for sharing your thoughts.
Just a quick note to address your concern: 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.