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

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.

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.

Difficult submitting claim

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.

This is by far the worst insurance company to ever work with. They make it virtually impossible to file a claim, their website does not allow for uploads, and they will not process claims without. The email link they send doesn't work! They are a scam and a fraud and I would cancel or not apply! All my money was wasted making them rich while I never got reimbursed except 25 dollars the first well exam. After that I've never been able to actually complete and file a claim !

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

My dog did not have any underlying health issues when enrolling him with this company. He devloped allergies. Our claim was denied for reimbursement. I feel this company took my money for this policy with no intention of ever covering a claim. They cost me the opportunity to go with another company who would have be more honest and who would have paid for these allergy issues, and now I will be denied from any other company as this will be labeled as a "pre-existing." I would NOT receommend this company. If I could give them a 0 rating I would.

Called to cancel our existing policy that we had for 16 years. Was always very happy but the cost became not doable for us. The rep suggested we could take an accident only policy for $2800 for the year. We decided to do that and asked if we could still submit our claims that we had not previously submitted from this year., We were told we had 60 days only to submit our claims. That would have brought us to August 8th, 2025. Today we tried to submit our claims (July 6th ) and we were unable to submit. Im hoping tomorrow when their office opens we will be able to submit our claims as we cannot afford to lose a substantial amount of money due back to us.