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Regret trusting ASPCA
I’ve submitted 3 claims for vaccinations for my puppy since September. Still “processing” with no clear answer from Customer Service. Very disappointed with this company and will be looking around for a more reliable company.
Insurer: ASPCA
By: Wendy
Look elsewhere for Supportive, Transparent Pet Insurance
I have been an ASPCA customer for about six months now. While I cannot point to any specifically fraudulent or grossly negligent conduct, this is not a company I would recommend to anyone. Be aware that ASCPA is underwritten by another company, Crum & Forster, which causes information gaps and discrepancies in how claims are processed. In addition, CF construes their coverage and policy VERY narrowly, and, at least in our case, has already denied multiple claims that, under a plan reading of the policy, should be covered. Finally, their backlog of claims processing, refusal to follow through or communicate regarding vet correspondence, and exceptionally long wait and response times for customer service reps is unacceptable.
Insurer: ASPCA
By: A. S.
They are the nicest people; and pay the claims in a very timely way. Would highly recommend
Awesome insurance company. They pay quickly; and after your deductible is met; they do pay the 90% of remaining balance
Insurer: Trupanion
By: Lynda
Disillusioned Former Fan
Update as of 12/22/20 ... it took over a month to appeal the decision on the original decline and the adjuster still declined payment. The tests were run to ensure our dog had not ingested a toxin. The vet updated the records stating that they were screening to ensure no organ damage was showing. The tests showed no organ damage so that was great, but because the vet noted our dog was teething at the time- the AKC insurance adjuster said THAT was the cause of the excessive drooling and declined payment. Great way to dodge payment since Ortho issues are not covered. The issue resolved in 48 hours, but the dog was still teething so that was not the cause of the drooling. We also had the wellness plan for our cats- it has been a month since I submitted the claim for that and still no completion. It is unfortunate that they are so under-staffed that claims take a month to review, and set the customer up for an even longer reimbursement process if/when they want more documents from your vet. I know we have begun looking at other options. Financially, it doesn’t make sense to pay thousands in premiums to have $177 bill declined for payment. Original post: So we have been with AKC Pet Insurance for approximately 4 years now, and I honestly could have made a commercial for them. Unfortunately my last claims experience was a bit unsettling. We had a $177 claim that was reimbursed $0. The explanation of benefits said that they did not cover my dog’s diagnosis- but that is alarming as it was an emergent visit. Specifically, our dog began drooling EXCESSIVELY.... I am used to slobber as I favor wrinkly pups, but our puppy was soaking through a full sized towel while trying to sleep, and the drool was pouring out of his mouth when he stood- his neck, chest and paws were soaked. The vet said to bring him in because she feared dehydration could set in, and that perhaps it was some chemical exposure so they wanted to run tests! We got him in, and the tests run indicated that his organs were all functioning properly, and there was no known cause for the excess drooling. They told us to watch him over the weekend and if it continued more tests would be run to check for salivary gland issues. Thankfully it subsided, but the insurance paid nothing on the claim because the only thing the vet could positively note was that he was “shedding” multiple teeth. There was no conclusive diagnosis as to what caused the drooling, so they paid nothing. My concern is that it seems they would encourage owners to wait to seek treatment unless there is some certainty of what is causing a symptom! That is no way to care for a pet! I am shocked at the philosophy so I cannot recommend the product any more. I can say that if you are considering pet insurance, you may want to ask if testing is covered even if results are negative and cannot confirm an immediate diagnosis.
Insurer: AKC
By: Jean Singbush
Worth the cost
I've unfortunately had to file a couple of claims in the past two months. The first claim took a couple of weeks (which they tell you) because they have to gather all medical records. I recently filled a second claim. The following day I received an email that the claim was approved. The next day, the money was deposited into my account. Great service!
Insurer: Healthy Paws
By: Magnolia Scott
Don’t waste your money
$1,400 in vet bills, how much did the ‘Best’ cover? $0. Enough said.
Insurer: Pets Best
By: JB
Healthy paws has supported me and my…
Healthy paws has supported me and my pup beyond expectations. Claims are processed fast and fair, your refund arrives quickly, and I have never had to dispute anything. When I have had to talk to representatives, I never felt like I was talking to an insurance company that was "out to get me". I have been talking to gracious folks who care more about getting my pup the helps he need more than making sure I'm a net profit. Dealing with Healthy Paws has been nothing but wonderful, and I am thankful to be their customer. I am equally grateful for all their employees that have supported me. I will be a lifelong customer.
Insurer: Healthy Paws
By: Brogan Miller
Healthy Paws cares more about getting your animal the help they need than they care about making profit off of you
Healthy paws has supported me and my pup beyond expectations. Claims are processed fast and fair, your refund arrives quickly, and I have never had to dispute anything. When I have had to talk to representatives, I never felt like I was talking to an insurance company that was "out to get me". I have been talking to gracious folks who care more about getting my pup the helps he need more than making sure I'm a net profit. Dealing with Healthy Paws has been nothing but wonderful, and I am thankful to be their customer. I am equally grateful for all their employees that have supported me. I will be a lifelong customer.
Insurer: Healthy Paws
By: Brogan
These guys are the best
These guys are the best. Claims are fair and accurate. Rates are great. They have paid everything as promised on time. I'm a very happy customer.
Insurer: Healthy Paws
By: John Wilson