- Report: #1092391
Report - Rebuttal - Arbitrate
Complaint Review: ASPCA Pet Insurance
ASPCA Pet Insurance3840 Greentree Ave SW Canton, Ohio USA
ASPCA Pet Insurance The Hartville Group Stay away from them. "Usual and Customary costs" is their way of lowering claims before being paid Canton Ohio
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STAY AWAY FROM THIS COMPANY! I also wish there were no stars as an option because I would never use the company again. I received the original information from them in the mail and thought, " It's the ASPCA, so they must have a great affiliation with them insurance company." I really trusted them and signed all four of my dogs up. After years of simple shots and check-ups the time came last month when my Irish Setter was throwing up and not eating. I took her to my vet and we had to take x-rays and blood tests. I started to send in claims for her and started to notice a pattern. The company uses what they call, "Usual and Customary costs for expenses incurred during the Policy Period." They only paid out about 50%, not 80% of the claims since they said my claims were much higher than others in my area. When I asked what that meant, they said they will only pay on what they think are "reasonable" charges". in other words, they get to decide how much your claim is first, THEN, they pay out 80% of that. This is a scam. When I asked how they figure out what is the "reasonable and customary" at first they told me it was based on an average for my area, then they backtracked when I said there was only one vet in my area.
My regular vet wasn't able to figure out my dogs problem and recommended I take her to Southern Cal. Vet. Specialty Hosp. which is the only type of hospital of it's kind in Southern California. This was going to be my test to see if they would pay the correct amounts since there were no other places like this and the vets in Southern Cal. send their patients there for specialized care. As I thought, I got my first claim back and they [once again] lowered my claim amount before paying out based on 80% of my claim. These guys are scam artists only out for money. They use the "Usual and Customary costs" as their own way of deciding how much they pay out. Unfortunately, I lost my girl Cassie last week. They will only pay a few hundred of my final costs of over $1200. It's a 'slap in the face' to the pet owner. I'm not cancelling my policies for my other dogs and moving to a better company.
This report was posted on Ripoff Report on 10/16/2013 01:25 PM and is a permanent record located here: http://www.ripoffreport.com/r/ASPCA-Pet-Insurance/-Canton-Ohio-44706/ASPCA-Pet-Insurance-The-Hartville-Group-Stay-away-from-them-Usual-and-Customary-costs-1092391. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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