Difficult to deal with; minimal payout on claims

Out of 10

Hartville consistently found a way to NOT cover expenses we submitted... kind of defeats the purpose of signing up, eh? Almost all expenses were refused saying it was a "pre-existing condition" or the price was too much. For example: Yes, two of the expenses (6 months apart) were both skin conditions, but the first was allergy-related and the second time our dog stuck his nose in a fireant hill. Pretty sure they the ant hill wasn't "pre-existing".
We were constantly locked out of our account and the "remember password" functionality doesn't work for us or their support staff. I always dreaded any interaction I had with them. I just canceled the account and I feel as if a weight has been lifted off my shoulders.

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Posted: 12/17/2009

Everytime I call ASPCA the customer reps have been WONDERFUL AND VERY HELPFUL. Read your policy, an illness or injury must be cured, symptom free and treatmeant free for 180 days. They were not trying to find ways not to pay you. The purpose of insurance is to put you back in the position u were in, not to help you profit. ASPCA is a wonderful insurance. You sound like your just sour because you didn't READ YOUR POLICY!!

Posted: 01/11/2010

These people didnt get a low rating for nothing. Ive had this policy and the continuance of illnesses that manifest in a prior year is a bad practice I must say. So if you pet developes any serious illnesses you better hope that they are CURED that policy period. I hope Lisa doesnt have this happen to her pets!!