ASPCA | Pet Insurance Review

I am quite pleased with my level 3 policy. It has delivered exactly as promised and I love the low $100 annual deductable instead of having a smaller deductable but it being taken out of every claim. The only thing I would like to see more is to have my claims direct deposited to my checking like they auto debit my premiums.

I've had this insurance for a couple of years now and it's always been easy to file a claim and they do always reimburse part of my bills without any hassles... however, I've never gotten anywhere near the 80% that they claim to pay... it's always far less than that- they claim this is because my actual bills are more than what they consider to be "usual and customary" costs. Which would be fine except that I'm not sure where they get those amounts from- I've had the same experience at multiple different vets in two states, so it seems that all vets charge more than what they believe is customary. Other than that insurance is fine, but I did opt for another carrier when I got a new dog last year- they pay 80% of the actual bill- no limits on the charges.

We more than met deductible for the year and they have not paid one thin dime - go on the rip off complaint websites and you will see plenty of other complaints. Some people have lost hundreds of dollars, so I guess it could have been worse. Giving ASPCA a bad image.

Whatever you do, be careful of the fine print. Heaven forbid your animal develop symptoms of a previous illness before the 180 day waiting period from the previous year's coverage. This insurance won't help you. They consider it pre-existing, even if you have had their insurance for years. I've spent hundreds of dollars insuring my cats, now they won't apply my claim to my deductible. So, I'm paying out of pocket for her treatment anyway. What's the point?

We have had ASPCA pet insurance for a few years now and have always been very happy with the service and coverage. The agents are very professional and friendly, and it's nice that they take that extra effort to check up on our dog after we submit a claim.