ASPCA | Pet Insurance Review

I am so glad I can use the preventative care benefits for my pets. But the time to process a claim is taking so long it is making it hard to keep up with the vet bills because I am not receiving the reimbursement in a timely manner because the claims are taking so long. The way I can view why a claim is denied or approved is not at all helpful. All I can see is approved or denied nothing more it would help if I could see why not just that it is. I would love the option to raise my coverage level for my pets when it comes time for the annual renewal. I can decrease coverage but not increase it. Which I was unaware of when I first signed up for the policies.

I didn’t know my account # and the young lady was helpful and very pleasant.

When attempting to make an appointment at a vet's office, I was asked if I would like to pay for pet insurance to cover the upcoming visit. I decided to go ahead and spring for it. I was given a confirmation that I had coverage from 10/17/2023 to 10/17/2024. Unfortunately, something happened on 10/17/2023 that I had to take my dog in for. Nearly $500 later, I opened the app to file my first claim and was told that, although it says I'm covered starting on the 17th, I could not make claims for any veterinary visit that occurred before 10/31/2023, which was not stated in the initial sign-up. If I am paying for coverage starting on a certain date, I expect that coverage to start on that certain date--not two weeks later.

I am new to pet insurance and have only recently enrolled, so I haven't actually used it yet. However, I will say that I found the enrollment process clearly explained and easy to navigate.

The staff is awesome and very helpful