+I was a former subscriber to the Hartville Group who was taken for thousands of dollars and learned many unfortunate lessons. This company also has affiliates including PetsHealthPlan.com and ASPCAPetInsurance.com who also engage in the same untrustworthy manner.
When I first signed up with this company many years ago, they paid based on the actual percentage of the bill. In a later renewal, they slipped in language changing the amount they reimburse from the agreed upon 80% of actual charges on my bill to a list of cost estimates that were much lower than actual cost of treatment. The cover letter did not provide any indication that these changes were being made.
Also during initial signup, I don't believe this company had anything in their contract stating they would stop paying claims after my renewal date. Refusing to pay six months out of a twelve month policy isn’t much of a benefit is it? Honestly, though, I may not have looked as I naturally assumed (as almost everyone else does) that as long as I paid my premiums every month, this company would pay the claims my pet may generate later in life.
The Hartville Group preys upon the people who make the logical but false assumption that pet insurance has regulations and protections. If I had signed up with a reputable insurance company my cat may still be alive today. Only after my cat became sick would I find out what a horrible company this was as they either massively underpaid the promised 80% reimbursement or flat out denied claim after claim after claim. Of course I had nowhere else to turn as my cat was now sick and therefore uninsurable.
Of the many claims I submitted during my cat's debilitating illness, there was not one claim where I was reimbursed the 80% I was promised after meeting my $100 deductible. Not one!
NOW they have introduced a so-called "Continuing Care Endorsement" to fend off the complaints by me and the many others like me who were abandoned by them in years past. Too late for my cat, though. Besides, it still doesn’t stop them from underpaying claims. Thanks for nothing Hartville, I hope you all burn in hell.
So my question to you is, with all of the other choices available to you for pet insurance, why would you trust your pet to these people?
Thank you pet insurance review for allowing me to publish this warning. If it keeps others from suffering like I did, then maybe my cat's death won't be in vain.