Payment Experience
Read pet owners’ reviews on payment experiences with pet insurance companies. Learn how easy it is to pay premiums, manage billing, and whether payments are processed smoothly and transparently.
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Claims
Anytime that I have submitted a claim they have paid their portion back to me which is 90%. I have never had any problems with submitting bills and getting reimbursement.
Insurer: ASPCA
By: Donna
Easy enrollment and easy to understand policy
Easy online enrolment and all documentation was sent by the next day. Policy is explained and easy to understand. All printable documents for our records.
Insurer: Furkin
By: Robert
Delays after delays
I've had ASPCA for 3 plus years. Since starting with them was great, no problems. Moving forward after the first year and I price increase of more than $20 a month just for the increased amount made the monthly insurance cost about $55. The 2nd year Covid hit and life changed for all of us. My insurance had everyone working from their home. I had 2 or 3 $100 or less claims the 2nd year. I emailed the claims into their office. They offer direct deposit when they pay a claim. After 3 weeks and no communication I called their office. Recording comes on and says due to Covid claims will be taking at least 30 days extra to process. I waited the 30 days for the 1st claim called had to leave a message due Covid. How convenient to NOT pay claims and use COVID as the excuse to withhold paying claims. Whether you work at home or the office only difference is an office verses a room in your house. If their employees had that much obstacles keeping them from processing claims the management should have corrected that. Moving forward it took45-60 days to get paid for claims that are minor. My policy is a $100 deductible with a 90% coverage. Now that Covid can't be used as an excuse and into the 3rd year I submitted another $108 claim waited 3 weeks and get a notice that the claims reps wants a complete medical history. Now remember I have only used 1 vet for 3 1/2 years. The insurance pulled this on the last claim during the 2nd year asking for medical history. My recent claim is the 1st for the new year $108 and they denied the claim because they could not get the vet to provide the history. My vet advised me they are playing games. They have my dogs history for the last 3 years and now look their excuse. I could have changed insurance but I gave them another chance. This year they raised my dogs monthly cost to more the $86.00 per month. My dog is not sickly and very healthy. It appears to me ASPCA is having financial problems and they use every excuse to not pay your claim and deny claims. Also ASPCA is not affiliated to the charity organization that help animals. I do not recommend this company. If you have insurance with ASPCA good luck as each year goes by you will remember my review and so will your bank account. BEWARE
Insurer: ASPCA
By: lee
Enrollment was quick
Enrolment online was easy and quick. Policy documents were emailed shortly after signing up
Insurer: Furkin
By: Nancy
Sign up
Easy to sign up and all information was clearly presented.
Insurer: Trupanion
By: Susan
Incredibly grateful
Fast and excellent service! Claim was processed very quickly!
Insurer: Trupanion
By: Wynne
Can't afford NOT to have insurance!
Simple claims process and quick to payout. We had a very large surgical bill that I had to pay up front for the procedure to be done, and without hesitation, after a full review of the doctor notes and invoice, the approval was sent and the money was in my account the next day. Insurance can be expensive but not having good insurance is more expensive!
Insurer: Trupanion
By: Shannon
Pre-payment information
The information I received after the payment would have been helpful to read before payment. It wasn't exactly what i needed but not i have it.
Insurer: Trupanion
By: Nina