Scott M.
ASPCA Insurance lacks Integrity and unethical business practices
I insured my 7 year old dachshund with ASPCA and their underwriters (PTZ Ins. Co./ Independence American Ins. Co.) I supplied them with all the veterinary records and after their waiting period ended they accepted a full years premium. Later that year my dog was discovered with 2 herniated discs having never before in her life being treated for a similar condition. Surgery was performed and a claim submitted to ASPCA. They denied the claim using a technicality based upon a 3 year old x-ray showing a little calcification in her discs. Dachshunds (aka Long dogs) are known to be prone to some back issues and normally have some calcifications on their spine. If the policy was void or the calcification of discs condition was completely excludable based upon this technicality, they should have rejected my premiums on day one based upon this technicality. Yet they happily took my premiums until it was time to pay for the insurance my dog bought. ASPCA INS. AND THEIR UNDERWRITERS LACK INTEGRITY. I HAVE ALREADY FILED A COMPLAINT WITH THE CA. INSURANCE COMMISSIONER. I share this experience in hopes it warns other consumers of the sharp and unethical business practices of this company and their underwriters.