Aspen Insurance Reviews
Aspen Insurance Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
1.0 star rating from 4 reviews; consumers are mostly dissatisfied. Reviews label Aspen Insurance as cheap but criticize claims handling and zero customer service; see Aspen Insurance reviews noting billing and claim problems.
Positive Feedback
Policies are described as low-cost by some customers, with price noted as a primary attraction.
Negative Feedback / Risk Areas
- Frequent complaints about delayed or denied claims and poor claims handling.
- Multiple reports of unresponsive customer service and long adjuster delays.
- Billing disputes, refunds withheld, and contested premium charges.
- Accusations of misleading sales practices and policy exclusions.
Key Takeaways for Future Customers
- Expect low premiums but prepare for potential claim friction and to escalate issues.
- Document everything and verify billing if you research Aspen Insurance customer complaints.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
1.0 star rating from 4 reviews; consumers are mostly dissatisfied. Reviews label Aspen Insurance as cheap but criticize claims handling and zero customer service; see Aspen Insurance reviews noting billing and claim problems.
Positive Feedback
Policies are described as low-cost by some customers, with price noted as a primary attraction.
Negative Feedback / Risk Areas
- Frequent complaints about delayed or denied claims and poor claims handling.
- Multiple reports of unresponsive customer service and long adjuster delays.
- Billing disputes, refunds withheld, and contested premium charges.
- Accusations of misleading sales practices and policy exclusions.
Key Takeaways for Future Customers
- Expect low premiums but prepare for potential claim friction and to escalate issues.
- Document everything and verify billing if you research Aspen Insurance customer complaints.
Media from reviews
Houston, Texas
Never had a worst experience than Aspen and Freeway
- - The receipt lacks detail compared with Aug, Sept, and Nov 2024 payments.
- - Efforts to prove payment to another insurer couldn't be validated.
Being truthful would be zSstrong start and give out a receipt that has more detail than paid Aug 2024 Paid Sept 2024 Paid Nov 2024 exactly every time I tried to prove to another insurance company couldn't validate As ok in are Freeway and they just hand you off ho next person once you get persistent awful experience
User's recommendation: Get out of the insurance business
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerThe insurance is a damn joke and not worth a damn I have never in my life had to go through an insurance company this horrible they don’t like to help with nothing. I would not recommend them to anybo
- - $20/day paid by them; I paid $30/day extra.
- - I have the rental; I'll switch insurers after repair.
- - They claim fraud and no adjuster inspected damages.
I had a wreck on September 3, 2024, and needed a rental. All they wanted to pay was $20.00 a day.
That's not enough, and I was having to pay an extra $30.00 a day. I had the rental, so hopefully as soon as my car gets fixed, I will be finding a different insurance. I don't see how they are still in business; this company is a complete fraud.
I couldn't even get the insurance adjuster to come look at my car for the damages. All in all, this company sucks.
- Cheap
Preferred solution: Nothing
User's recommendation: No I will never recommend this company to anyone
Houston, Texas
Company won't respond
- - No adjuster contact for over 3 weeks after the accident.
- - Nearly a month later, there is no car, unresolved medical bills, and no one to talk to.
After being involved in an accident with one of their policy holders, I couldn't get an adjuster to contact me for over 3 weeks, even after repeated and daily calling. I was given the runaround by each customer service representative saying they were forwarding my case with an urgent message to the adjuster's office.
It didn't make a difference at all.
So, here I am, almost a month after the accident with no car, medical bills and no one from their company to talk to. Beyond unprofessional and most definitely frustrating!
- Zero customer service
Preferred solution: A response from their company.
User's recommendation: Stay away and hope you don't have an accident with any of their policy holders.
Little Elm, Texas
Need Resolution Immediately!!
- - Filed a claim with Aspen after a July 18, 2023 crash; adjuster Ana Davis.
- - No contact from Ana Davis; emails and voicemails left; seeking next steps.
I am writing to you regarding a claim with Aspen. Insurance and the adjuster assigned to the claim, Ms.
Ana Davis.
˘On July 18, 2023, I was backing out of a parking space at a small convenience store in my neighborhood and the insured with the previously mentioned insurance company struck my vehicle as he was pulling up to a gas pump. We both got out of our cars to examine the damage to the vehicles and I was struck down by the odor of marijuana on the insured persons (Fernando Gonzalez) body and breath, as well as his passenger (Luis Cruz - stated he was the insureds cousin)/. They were both very nervous and pacing, as they knew that they were going to be in a lot of trouble.
At that time, I called the police to come to the scene. I called the Little Elm, TX police department first and was told that it was not their territory and that I needed to call Frisco.
I then called the Frisco, TX department and was told that they were not in charge of that area either. As it turns out, we are in a small area of unincorporated Denton County, TX, so no police came to the scene to take statements. We all exchanged information.
The insured, Fernando Gonzalez then gave me his license and insurance information. He told me at that time that he would be contacting his insurance company to let them know what had happened.
I called Aspen (his insurance company) immediately on my return to my home. I gave my statement and was told that someone would be getting back to me in the next 7 business days.
Two days following the call I made to report the incident, I received a letter from Aspen with the claim number and the name of the adjuster. Her name is Ms. Ana Davis - phone number 469-312-**** (direct number).
To date, I have not heard from Ms Ana Davis.
I have sent multiple emails and left multiple voicemail messages, as well as had the person answering the phone at Aspen to send multiple messages to their supervisor for a response.
To date, I have not gotten a single response from anyone at Aspen Insurance Company.
I am writing to get some help.
I should not have to claim the accident on my own insurance when it was not me that was at fault, nor was I influenced by any drug or alcohol and behind the wheel causing others harm.
I would like to either speak with someone at your company to get this solved, or have a response of some kind letting know what the next steps are to get this situation taken care of, please. It has been a month and I would like to have my vehicle repaired.
User's recommendation: DO NOT DO BUSINESS WITH THIS COMPANY!!
It's a scam
- - Claims held over a year; money taken.
- - Agent lied about ankle coverage; January billed after cancellation; refunds only two months, over $3k.
They took my money, held things in claims over a year before telling me there was a "bone and joint clause" which according to legitimate insurance companies is not a thing. I told the agent that sold me the policy my ANKLE WAS BROKEN at the time I purchased the policy and I needed it covered.
He LIED and said it would be covered. He DID NOT TELL ME that pre-existing conditions were excluded. They billed me for January AFTER I told them to cancel the policy, then would only refund 2 months of premiums, one of which was the January premium they weren't supposed to bill. Now I'm stuck with a bunch of bills I thought they had paid and they've taken me for over $3k.
Don't be scammed by this company, it should be illegal for them to operate in this country. I've already reported them to my state insurance board and state attorney general.
- Claims
- Scam
Preferred solution: Full refund
User's recommendation: DO NOT BUY ANYTHING FROM THEM
Thank you for sharing your experience, I was looking for customer experiences with this company. Now I know I will NOT be purchasing their scam policy.
Fraudulent activity of insurances destroys our Healthcare system
- - AAIC claims to be a leading global specialty insurer with expert-led lines.
- - The text claims AAIC has no experts and is greedy and dishonest.
Aspen American Insurance Company (AAIC) claims that it is a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves. The first statement is correct: the company insures almost all – from dentistry to cyber security.
The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages. Of course, a person can disagree with an estimate and then claim more in a court.
But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that).
A dentist broke my bridge. To deny my claim the AAIC invented a fraudulent strategy.
I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession. Dentists asked what a patient needs and offer a treatment plan.
Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court. But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part.
Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world. Insurances should be prohibited to deal with the areas where they have no experts. Write similar complaint to the local and federal government.
(AAIC) claims that it is a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves.
The first statement is correct: the company insures almost all – from dentistry to cybersecurity. The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages.
Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that).
A dentist broke my bridge.
To deny my claim the AAIC invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession.
Dentists asked what a patient needs and offer a treatment plan. Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court.
But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world.
Insurances should be prohibited to deal with the areas where they have no experts. Write similar complaint to the local and federal government.
Preferred solution: Full refund
User's recommendation: Demand health problems to be insured only by health insurances
PissedConsumer sent me email asking weather Aspen contacted me. No.This insurance demands "complete dental records" that none has but didn't provide me with the dentist's records, who is guilty for breaking my upper bridge.
At last, I received his records, which were written more than a month after the accident and , nevertheless, which contradict Aspen statement that I attended the dentist with a damaged upper bridge. I prepared questions related to these records for the dentist to answer and asked Aspen to send me his response. Aspen refused to do that. My case is elementary simple.
It is not connected with an infection, bones damage, etc. as a result of treatment. The dentist's assistant (whose name and qualifications were not provided) broke the bridge. A simple analogy is: a person, attended a grocery, fell down because of a wet floor and broke his leg.
It is absolutely clear that the administration is guilty. In my case, the situation is even simpler. Inability of the dentist to produce a workable denture in 3 weeks (according to the plan), multiple impression procedures and untrained assistant created the accident. However, Aspen created the story that I came with a damaged bridge (this is a lie not supported by any records).
Moreover. it demands me to present from a dental care provider that the dentist " had breached the standard of care, that any alleged breach…had caused any injury, and causally related any damages incurred by Dr. Yanushevsky.” The accident was created by his untrained assistant. The dentist was not even in the room.
I brought a conclusion of another dentist who cautiously classified the accident as negligence. But Aspen dislikes his word “by Dr. Yanushevsky recollection.” Everyone would write that –because nobody was a witness of the accident. I am trying to get the dentist's answers concerning his dental notes which would make all clear even for dummies.
I will try attract attention of media as well. I would be thankful if you could help me with that.
Chevy Chase, Maryland
Show why insurances as Aspen allow themselves to violate laws
- - AAIC demands complete dental records to deny claims.
- - Maryland law bars arbitrary, bad-faith actions in claims.
As I indicated earlier, the AAIC denies obvious dental claims by demanding "complete dental records," which nobody has. The law that requires to treat policyholders and claimants fairly is universal for all states.
For example, in Maryland it prohibits actions which are "arbitrary and capricious, lacking in good faith." The AAIC operates in many states and its demand for claimants to present complete dental records is illegal since dentists dont require previous dental records and, moreover, states allow dentists to destroy their records after a certain period of time. Since nobody can satisfy this requirement, this allows the AAIC to deny claims. There is a small probability to reach a settlement without an experienced lawyer, so that in most cases the amount of money obtained by a claimant (especially, elderly claimants) isnt enough to pay for the required future dental treatment.
Unfortunately, state insurance administrations allow the AAIC to violate this law. I asked Maryland Liability Commissioners Mr.
Baron, Ms. Bailey to answer whether the demand of "complete dental records" violates the Maryland law. The came question was asked Ms. Hatchette, the Maryland Associate Commissioner on Consumer Education and Advocacy.
They refused to answer this question. Finally, this question was presented to Mr. Beal, the CEO and Chief Legal Officer of the National Association of Insurance Commissioners.
The same result.
As it wisely noticed Mahatma Gandhi, Corruption and hypocrisy ought not to be inevitable product of democracy, as they undoubtedly are today.
It is well known that insurers and lawyers are generous political donors. This explains the situation.
User's recommendation: .My example of the AIAA demonstrates the need of new laws and regulations related to the health insurance industry.
Wilmington, North Carolina
Worst insurance company ever
Ran up 14,000 in hospital bills, company refused any payment
User's recommendation: Do not buy this insurance, complete fraud
Improve laws related to health liability insurances
- - Tried for 2 years to get AAIC funds for a dental accident.
- - AAIC demanded complete records, delayed them, and finally provided them after 2 years.
About 2 years I try to get money from the AAIC for the dental accident. I presented all documents, 3 panoramic films, another dentist conclusion, etc.
But the AAIC is using an illegal trick to deny the claim - it demands complete dental records, which nobody has. I could present only what I had for 7 years. They forced me to attend several dentists but all was in vain. Asking my "complete" records they refused to give me my latest records- showing the reason of the accident.
Only after 2 years they gave me them. The records justify my claim but the AAIC refused to answer related questions related to these records.
Preferred solution: The AAIC should be prohibited to deal with the Health care
User's recommendation: Don't use this company. Contact your elected officials and demand to change laws related to insurances dealing with health care.
Chevy Chase, Maryland
Dishonesty and violation of elementary norms and laws
- - AAIC is accused of lacking experts and using a fraudulent strategy to deny a dental claim.
- - AAIC ignores questions and demands full dental history.
Aspen American Insurance Company (AAIC), a subsidiary of Aspen Group, is a medical malpractice insurance provider . Aspen Insurance advertises itself as a leading global specialty insurance and each of its business lines is run by a group of highly respected and experienced industry experts who possess in-depth knowledge of the industries it serves.
The first statement is correct: the company insures almost all – from dentistry to cyber security. The second statement is absolutely false. The company has no such experts and only greed and dishonesty characterizes its activity. A normal practice of insurances dealing with specific areas (e.g., car , home insurance) that have experts is to evaluate damages.
Of course, a person can disagree with an estimate and then claim more in a court. But this is a logical procedure. The AAIC doesn’t follow such a procedure. Moreover, it ignores any letter with concrete questions (it is unable to respond since it has no experts in the field to do that).
A dentist broke my bridge.
To deny my claim the AAIC invented a fraudulent strategy. I was asked “the complete dental history.” I am sure that senior persons have no even their complete medical (not dental) history since during their life they changed the prime doctors and old medical records are not always sent to new prime doctors. As to dentists, persons change them often and none dentist even asks about previous visits and reasons. This is a simple medical profession.
Dentists asked what a patient needs and offer a treatment plan. Nothing more. What Aspen demands is illegal. Such strategy force persons to file claims with a court.
But then lawyers take a significant part of damages and usually the remaining amount of money is not sufficient to restore a damaged part. Senior persons suffer most. Moreover, this is one of the reason why our medical prices are the highest in the world. Insurances should be prohibited.
to deal with the areas where they have no experts. Write similar complaints to the local and federal government.
User's recommendation: Write complaints to the local and federal government
Insurance Expert Talks
Insurance Claims Tips: What Red Flags to Watch Out
Insurance claims, insurance fraud & why you might need a public adjuster. Watch our video interview with Vince Perri, CEO of Commercial Claims Show, get expert tips on how to file insurance claims and get the settlement.
Vince Perri is a Expert Claims Adjuster and CEO of Commercial Claims Advocate. He has over 14 years of experience in handling large commercial losses and complex residential insurance claims.
Companies Similar to Aspen Insurance
AXIS Capital
“They denied my claim from 50 floor. Didn't send anyone out to inspect my floors, like 50 floor said they...“
Sompo International Holdi...
Hugo Insurance Services
“I want to add money to my account, but I can't on my side. Please help me because my car insurance is...“
Intact Insurance
“On March 8th, my car was totaled in an accident. I started the claims process right away. I received the...“
Thank You for Your Reply! We are processing your message.
Your comment will appear after moderation
I have her as an adj as well I filed a TDI complaint and she called. Their a very unorganized a piece of crap company.
It sounds like you were at fault. If you were backing up from being parked and he was driving through to a pump, you needed to make sure it was clear.