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My dog had EPI
My dog had EPI, a life long condition and Trupanion is helping to pay for his needed enzymes.
Insurer: Trupanion
By: Judy
Don't waste your time or money
ASPCA Pet Insurance has been a complete disappointment. They ๐ญ๐ฎ๐ต๐ช๐ processing documentation while simultaneously rushing to deny claims - they denied multiple separate claims, claiming they "couldn't obtain documentation" despite my uploading all requested documents the day before the denials were issued. The timing alone proves they never actually reviewed the documentation I provided. When I had to resubmit everything via email and request reconsideration, it became apparent that this is likely a standard practice to ๐ญ๐ฎ๐ท๐ legitimate claims without proper review. More recently, they've denied additional claims for one of my cats with zero explanation whatsoever - claims that should clearly be covered under the policy terms. When challenged, they ๐ญ๐ฎ๐ฏ๐ฎ๐ท๐ญ their inexplicable decisions rather than provide actual justification. If I had the time and resources, I'd ๐ญ๐ฎ๐น๐ธ๐ผ๐ฎ their executives under oath about these practices. The pattern is unmistakable: collect premiums, create processing delays, deny first, then defend the indefensible when customers fight back. This isn't insurance - it's legalized theft through bureaucratic obstruction. For a company trading on the ASPCA name and reputation, its claims handling is disgracefully predatory. It's happy to take your premiums but will use every procedural trick to avoid paying when your pet needs care. Save yourself the frustration and find an insurer that actually honors its policies -- or better yet, deposit the money you would have spent on premiums into an interest-bearing account and pay yourself back when needed. ASPCA Pet Insurance appears designed to collect premiums while systematically denying legitimate claims through "processing errors" and unexplained rejections.
Insurer: ASPCA
By: Andrew Rich
Reimbursement was very quick
Reimbursement was very quick. Easy to file no problems at all.
Insurer: Spot
By: Lisa Grier
Changing my insurance when this ends
I am leaving aspca insurance in March when my policy ends. They raised the price to $88 and they only give a small portion back for preventive treatment and dont add it to the deductible. I spent $1000 for spaying and a tooth removal and got $175 back and gave me 499.30 for my deductible! Couldn't even give me the $500 to meet my deductible. I took my dog back for her second distemper shot and I spent $50 and they denied it. Unless its not preventive care it will not go to the deductible. Im going to join AKC health insurance. Maybe sooner than later. Its easy to put in a claim but im just done giving $88 a month way and only get a Little bit back. Its not worth it! Waste of money.
Insurer: ASPCA
By: Michelle Coughlin
Jessie provided curteous andโฆ
Jessie provided curteous and professional support in account management and advice.
Insurer: Embrace
By: Ron Forehand
Very easy, very fast, 5 stars
I adopted my senior dog a year ago and got Spot shortly after. (Had been with a different company with my previous dog, and for a few years they were excellent but then the premiums started soaring, so I looked for a different company with this new dog). I am 3000 miles from home on vacation with my terrier and my dog started showing signs of an obstruction so I ended up taking him to the ER two times in two days. Heโs ok but the bill was A LOT. Filing the claim took only seconds using my phone camera and a couple days later the bank informed me money had been deposited in my account by Spot. It could not have been easier and I expected to be waiting for weeks for the claim to go through, not days. The best part is feeling comfortable to tell the vet to do whatever needs to be done to keep my dog healthy and safe without having to look at a cost estimate and pick and choose which tests to do based on priceโ and then worry that the expensive one I skipped was the one you needed. Very happy I switched to Spot.
Insurer: Spot
By: Sue Cole
Donโt know where I would be withoutโฆ
Donโt know where I would be without Trupanion. My dog was diagnosed with hip dysplasia at 9 months, and Trupanion has been a life saver for medical expenses.
Insurer: Trupanion
By: Ashley
The staff is helpful but ...
The staff is friendly and helpful; however, they require a lot of work on your part to process a claim. I've submitted two claims, and one-third of the first one has been paid. I suppose I had a deductible that I wasn't aware of, so that's on me, the second one was never processed because of information that my vet needed to supply that was not received. You have to be very diligent about getting them the paperwork they need. It would be helpful if the company could be more involved in communicating with the veterinarian practice so their customers just have to put in the claim and leave the rest to them.
Insurer: Embrace
By: Elizabeth H.
I can't say enough
I can't say enough: Embrace has been the best decision for my dog's health. He is about to undergo surgery, and Embrace has been understanding and cooperative throughout the process.
Insurer: Embrace
By: Carmen Haynes