I submitted a claim for a critical and necessary surgery—our dog had bone exposed. ASPCA Pet Insurance repeatedly claimed they never received the medical records and closed the claim. I resubmitted everything, only to be told it was now a duplicate—and they closed it again. This company is a total FRAUD. I’m cancelling my policy immediately. They cheat American consumers and jeopardize the health of our pets with their shady practices and endless runarounds. ASPCA Insurance, you are a disgrace. The worst insurance company I’ve ever dealt with.

Difficult submitting claim

I had my pet insurance through 24hour Pet Watch - they decided to no longer do insurance so they sold my plan to Hartville. I am now paying more $34.00 more and I have less coverage. Customer Service horrible! I was able to summit claims for prescription food and wellness visits but not with this company!! Do not get your insurance through Hartville.

Claim reviews takes several days to process and there should be a way to upgrade coverage during the current term.

Unbelievable. I paid out for years. I had accidental only yet still paid $50 every month for over 5 years. My dog died suddenly and accidentally but I received zero compensation. Worst pet insurance. They totally scam people. You won’t get anything.

My claims form apparently when through some automated reviewing came up with a totally erroneous conclusion. Aspen went in for hemorrhagic gastroenteritis and you came up with 3 diagnoses: diarrhea, motion sickness & uveitis. Where in the world did you come up with those other 2 diagnoses?? there is no mention of either problem in the records. Then you took off $250 for each diagnosis leaving me with a huge deficit to pay. This was not the first time this happened either--once before you did the same thing--making up diagnosis that was not true. A top notch insurance system should not be working so inefficiently Please do a better job

Ive had pets best insurance since my shihtzu was less than 3 months old. Her insurance started out at 70ish dollars and has increased to 101. Most of the stuff she goes to the vet for is not covered and I end up paying out of pocket the majority of her expenses. Wish there was an insurance that actually helps.

My claim was denied and I was told I hadn't submitted the correct paperwork and that I was "upset" with them, they also refused to get a supervisor. I had to call back and request a supervisor who confirmed all my paperwork was correct, my claim was incorrectly denied, and that I should always be able to contact a supervisor if I asked

Took a long time to process the payment. Would like it if their network was broader out.

I had no idea my dog's pet insurance lapsed. I signed up for paperless billing and information, and only recieved a paper (via mail) document stating it had lapsed. Why did I not recieve an email about this? It seems purposeful. I had to re-sign up her at double the cost.