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Watch out for terms that are not disclosed
Watch out for terms that are not disclosed in their marketing: Claims limited to percentage of "Usual and Customary". Reimbursements are not adjusted for costs in different cities, and are inadequate for high-cost areas. Little to no information is provided in advance about typical reimbursement rates, rather you need to presubmit a bill for advice, after you have the plan. Cumbersome and unrealistic. They should at least provide sample reimbursement scenarios for various standardized situations, as is done with human healthcare. Also, claims denied after 270 days after service, even during Covid emergency. Too expensive for what you get. Used to be a good policy, not any more. The plus side is that the salesmen, and perhaps the claims agents, are happy to spend a lot of time on the phone with you, if you like that sort of thing. I would prefer those resources be used to increase reimbursements, not just talk.
Insurer: ASPCA
By: Concerned Citizen
Best full.coverage
This is insurance covers things that the other insurance companies do not. Breed specific conditions are not covered by most policies nor is dental. This plan covers both.And having the option to upgrade to wellness plans keeps your pet healthy
Insurer: ASPCA
By: Kaden Mahaffa
So far so good
After comparing several pet insurance providers I chose ASPCA PET HEALTH. The sign up was easy. I am about to submit a claim for our puppies’ first vet visit. I guess we’ll see how the service stacks up.
Insurer: ASPCA
By: Dennis Ehrhart
Claim service is poor
Claim service is poor. I submitted a claim for a growth on her paw. My vet submitted all required documentation. First, HP never received it, second time they lost it. Now they closed the claim because of lack of documentation. Vet sends all documentation again. The third time. Now, they opened/appealed the wrong claim! Three weeks later, no claim determination. HP needs to reopen their offices and get their staff back to work. Lots of disconnected/dropped calls. By the way, the dog is four years old. HP wrote the insurance when she was a puppy. Why would you need 4 years of medical documentation? There are no preexisting conditions that would not be covered/outside of the exclusions listed in the contract. I will be complaining to my state insurance department. The policy number is 568075.
Insurer: Healthy Paws
By: DissatisfiedinNY
So far - so good!
It was easy and straight forward process of buying this insurance for my dog. Didn’t use it yet, since we are up to all vaccinations, but definitely will use it next time
Insurer: ASPCA
By: Alevtina Dagstanyan
My Policy provider was very…Alice Ryan
My Policy provider was very polite,informative,and knowledgeable It was a pleasure having her assist me in choosing the right policy Thank You Robert Newman
Insurer: Prudent Pet
By: Robert Newman
So far it's been great
So far it's been great. Thank you for being there
Insurer: ASPCA
By: Jessica L
Monica was amazingly helpful and…
Monica was amazingly helpful and friendly, knew the answers to my questions and made getting pet insurance extremely quick yet very efficiently. Darla and I say Thanks, Monica!
Insurer: Prudent Pet
By: caitlin.grace