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Hard to Understand
It was EXTREMELY difficult to understand your representative on the phone. She was VERY nice but she had to repeat things MANY times. She spoke too loud and too fast! As a result, I'm sure I missed some important information.
Insurer: Nationwide
By: customer
Great first experiance with prudent pet.
Everything was explained in detail on line and uploading info was easy. Talked with two reps on two separate occasions and Andrea and Mary Ellen were both polite respectful and knowledgeable with my questions. Wish they offered a senior citizen or military discount. Many other insurers do.
Insurer: Prudent Pet
By: Ken B
Hidden 49% Rate Hike After Filing Claim
I’ve been a customer of ASPCA Pet Insurance (administered by PTZ, underwritten by Independence American Insurance Co.) for several years through an employee discount. I filed my first major claim this July after my dog became seriously ill. Less than 24 hours later, I received a vague email saying I should “review my renewal plan.” After digging through menus in the Member Center, I discovered my annual premium was being increased from $776 to $1,156 — a 49% increase. ASPCA’s policy and marketing materials explicitly state: “Your rate will never change because of your pet’s claim history no matter how many claims you submit.” Yet this massive increase was communicated THE DAY AFTER I filed a $1,500 claim. When I reached out for an explanation, I received a canned response: the increase was not due to my claim, but due to how “pet parents overall" are spending more. "When pet parents spend more than we expect, we have to increase our rates to help us balance the cost." No breakdown, no actuarial justification, no transparency. For reference: • Industry average annual premium increase is 12–15%, according to NAPHIA. • ASPCA’s new premium puts me 70% above the national average for dog insurance. • No change in coverage, deductible, reimbursement, or plan structure. This isn’t just bad service—this is reputational arbitrage. The ASPCA licenses its name to a for-profit insurer, collects a royalty, and lets the insurer quietly exploit the goodwill of the ASPCA brand to gouge customers. It's disgusting. It's especially frustrating because they did not address the substance of my complaint (including the figures I provided) or answer a single question I asked, but then ended their email by saying "our goal is to always provide meaningful support to pet families, and do it in a way that's fair, transparent, and sustainable." I'm not sure how a 49% YoY increase, while refusing to provide an explanation, aligns with that claim. This experience has completely shattered my trust in the ASPCA and I will never donate to them again. I’m filing complaints with the Texas Department of Insurance and have already contacted ASPCA directly. Until they take ownership of these practices, I’d strongly caution any pet owner from trusting this program.
Insurer: ASPCA
By: Dan D
I just started with this insurance
I just started with this insurance, but so far the service has been great.
Insurer: Prudent Pet
By: kweensafariaol.com
Easy to see and understand your coverage
Easy to see what your insurance covers and I can change the options at any time. I like to fact that you can add routine checkups etc. at a reasonable price.
Insurer: Prudent Pet
By: Patricia Malone
Trupanion worked directly with the vet…
Trupanion worked directly with the vet hospital and we had answers before we had questions. When you are worried about your pet, it is a great relief to have assistance with the financial part of an emotional time.
Insurer: Trupanion
By: Nancy
excellent service for our dog Maggie
excellent service for our dog Maggie! Very easy to submit claims for her ACL tear surgery and then 4 PT visits for therapy to help her heal. Easy to use
Insurer: Embrace
By: Susan Smith
Cost/what you get
The cost as well as the preventive services they provide are out of this world. I wouldn't use anyone else for my pet insurance. I get reimbursed in a matter of days.
Insurer: Embrace
By: Ali Barrett
Easy to navigate
Easy to navigate, lots of detail & explanations for coverage, engaging experience!
Insurer: Nationwide
By: customer
easy to open a claim and the response…
easy to open a claim and the response and payment time has been VASTLY improved. Customer representatives are very competent and friendly. We have had great experience with pumpkin and i feel confident my furkid is protected.
Insurer: Pumpkin
By: Sandra Callender