VSP is the eye insurance I could afford as someone who is self employed. I always pay my "must have" expenses, like health care, and car insurance 6 months to a year at a time to ensure I have the money to stay covered. I can't see my own face without glasses so this is a vital expense. This year I learned I have cataracts in both eyes and need surgery. Of course, they don't cover any of this, but when I realized I no longer needed their services I called to do two things. (1) Ask if they could refund me the 6 months paid in advance as I will not be needing their services anymore. They said no because I had an eye exam. They paid their portion, I paid mine. I asked what happened to people who pay month by month? Would that exam not have been covered if the insurance was paid month by month? Of course, it would have. So you see my point. I will not be using their insurance to buy glasses or contacts this year. It makes sense to refund the unused months (6 to be exact). But they will NOT. They won't use any of my money towards my care but they still will keep it. I see that as unethical. (2) I asked if they would make sure the insurance was canceled and NOT set as an automatic renewal. Again, they said they would do neither!!! Not only will they not cancel it and stop any auto renewal, I have to call back 60 days prior to auto renewal. What if my son had called because I died? Would he be asked to call back 60 days prior to the renewal? Of course not. Surely there is a simple way to hit cancel. Even if they're keeping my money. Instead they burden me with remembering to come back in several months to to cancel I will no longer be using and stop it from auto renewing. I'm writing to let others know this company does not put the customer first. They collect money and distribute it when required. Period. And to warn others about the hard lesson I learned today. Never pay anything in advance with this company. I guess the silver lining is I never have to use them again and can warn others to find another company when possible.
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VSP Vision Care is a vision care health insurance company operating in Australia, Canada, Ireland, the US, and the UK.