Brutal bad. Pretty much what you are reading reviews to try to avoid. Delays, denials, dumb answers...

So far ASPCA Pet Health Insurance is not paying treatments that should be covered, not communicating about what is needed in order to pay a claim!!! Just declining saying unable to obtain medical records from the veterinary clinic?!!! Then why didn't they ASK ME for it?!!!

1

Had a very difficult time getting my claims processed and paid. My vet sent them records - they say they did not get them - Had vet send them again - they confirm they got them - then a week later when I call back again they tell me they still need more records. They never told me any of this. Would not recommend. Also was not aware that they have co-pays or co-insurance which they charge you for on every line item of your vet bill.

it has been 3 weeks since my claim was placed. I called him several times and the only answer I get is to continue waiting

We haven't used it yet Not until October 16th

I've been with Healthy Paws for 7 years! Since then I've only made 2 claims which borh were denied! I had to issue a dispute for them to reconsider which they only decide to approve one! My Premium jumped 335% starting at $36/month to $160/month!!! Similar to most of the responses here. It appears that HP goal is to increase your deductible to $1,000, putting you in that range so none of your claims will be approved. Unless your pet is on it's death bed!!! If you are considering this insurance for your Pet. Please take this review into consideration! I'm almost certain anyone posting a 5 star review are Bots! Please be warned! If you are considering HP to provide peace of mind for your pet. Please look elsewhere. At the end of the day your claims will be denied!!!

Failed to payout simple inexpensive claims.

They have canceled several claims and have not responded to the replies. They take more than a week to respond to an email, and after denying your claim, they string you along for days and then refuse to accept the re-claim.

Would not recommend….okay good thing I can say is the claims they do pay they pay quickly. Their rates increase significantly EVERY year, their website/system is always down or updating but nothing ever improves. Their website is terrible. My dog went fore a wellness visit, was given medicine for an issue but because of this they didn’t pay out her wellness coverage. So what am I paying for???