ASPCA Pet Health InsuranceReviews 

6,545
TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Evaluating 311 reviews, most reviewers were somewhat happy with their experience overall. Many customers appreciate the ease of submitting claims online and the quick processing and payment of those claims. Reviewers frequently highlight the helpful and compassionate customer service, especially during difficult times such as a pet's passing. The coverage is often described as excellent and affordable, providing peace of mind for unexpected health issues and preventative care. However, some people were dissatisfied with significant rate increases, particularly as pets age, making the insurance less competitive. A number of reviewers also experienced issues with claims being denied without clear justification or due to difficulties in verifying information with their vets. Some customers reported a lengthy and difficult process for claim approval and a lack of responsiveness from customer service representatives.

What people talk about most

Claim

Consumers find claim processing to be ambiguous, with many reporting denials due to reasons like congenital... See more

Service

Customers had ambiguous experiences with service, with many expressing satisfaction and gratitude for the... See more

Customer service

Users describe ambiguous interactions with customer service, with many reviewers expressing satisfaction with... See more

Price

Reviewers mention ambiguous feedback about price, with some finding the pricing reasonable and even... See more

Payment

Customers consistently note ambiguous experiences with payment, with some reviewers praising quick payments... See more

Reviews shaping this summary

Rated 4 out of 5 stars

They are responsive to claims processing and I haven't had a denial yet. I also enjoy being able to pay for my policy on a yearly basis instead of monthly. It is the nature of the beast, but I still d... See more

Company replied

Rated 4 out of 5 stars

Claims are easy to submit online, although the available options to select don't always fit the claim. I'm withholding one star since seven of the eight claims I submitted are still being processed.

Company replied

Rated 4 out of 5 stars

The customer support, easy online portal and claims management process have all been easy and great. Never had any issue getting things paid for. ASPCA was also wonderful when one of my pets died fr... See more

Company replied

Rated 5 out of 5 stars

Extremely helpful and stress-relieving! We have had ASPCA's pet insurance for years, and it's been great knowing that any unexpected health problems and regular preventative care screenings are cov... See more


Company details

  1. Pet Insurance Company

Written by the company

Founded in 1997, we’re one of the oldest pet insurance companies in the US. Over the past 20 years, we’ve covered more than 600,000 pets while processing more than 2.2 million claims through our insurance underwriters. With our experience and strategic partnership with the ASPCA®, you can rely on us to provide reliable, affordable, and trustworthy coverage so your pets can live happier, healthier, longer lives. The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.


Contact info

3.7

Average

TrustScore 3.5 out of 5

7K reviews

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3.7

All reviews

(6,545)

299 reviews in the last 12 months

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Rated 4 out of 5 stars
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Lauren, thank you for your positive feedback! We are thrilled to claim submission process user-friendly. We appreciate you taking the time to share your positive review with us!

Rated 1 out of 5 stars

Get this:

Get this:
I have my two horses insured here for accident/colic. My horse had to have colic surgery and the bill was over $17,000. Guess how much they reimbursed me? $889.00!!! Don't know how or why they denied practically everything! What a joke. Canceling this insurance immediately! I thought having insurance through the ASPCA was the right thing to do since I donate to them regularly. Thought they would be an honest and trustworthy company. WRONG!!!
ASPCA-don't bother to reply with an I'm sorry you had a bad experience and to call customer service.

18 May 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Lori, we're sorry to hear you're unhappy with your experience. We appreciate you sharing your concerns and have sent your feedback to our team for further review.

Rated 5 out of 5 stars

Claims are easy to submit and they are…

Claims are easy to submit and they are paid pretty quickly, I haven’t had any issues with coverage although I do wish they didn’t cap the coverage amount.

19 May 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, thank you for the kind words, we’re so glad you chose ASPCA Pet Health Insurance! 😊🐾 Please don't hesitate to reach out to our customer care team if you ever have any questions; we would be happy to assist. Thank you again! 🧡

Rated 5 out of 5 stars
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Hannah, we’re so glad you chose ASPCA Pet Health Insurance! 😊🐾 Please don't hesitate to reach out to our customer care team if you ever have any questions; we would be happy to assist! 🧡

Rated 4 out of 5 stars

I am satisfied with the insurance

I am satisfied with the insurance. Just wish I would not have to be reimbursed for charges.

19 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Thank you for taking the time to share your positive review with us, Rewa! Please don't hesitate to reach out to our customer care team if you ever have any questions; we would be happy to assist. Thanks again!

Rated 5 out of 5 stars

This insurance has been wonderful

This insurance has been wonderful, they paid me back in a Timely matter.
I would definitely recommend them.

12 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Great to hear, Tracy! Thank you so much for sharing your kind review with us.

Rated 2 out of 5 stars

Impossible to cancel policy without calling and they're closed frequently

Decent pricing but we just simply weren't using it. After years of spending thousands of dollars on insurance, canceling was a massive headache. There's no option on the website to cancel your policy, nor to message/email them requesting thus, so you're stuck calling them - And then, you're restricting to their office hours.

We might eventually enroll in insurance again when our dog gets older, but we won't be using ASPCA simply due to the headache it is to cancel a policy.

17 May 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi JE, we're really sorry to hear you're thinking about canceling — we know that's never an easy decision. We understand you have reached out and we apologize for any difficulties reaching us. While we aren't able to manage cancellations over social media, our customer care team is here to help at 1-866-204-6764 if you'd like to talk it through.

Rated 5 out of 5 stars

Easy submission process

I’ve submitted 4 separate claims so far for one total issue, as there have been many vet visits. Submitting has been easy, and they have accepted explanations referencing the previous info without a problem. EOBs have been clear and reviews and reimbursements for the first three have been timely.

11 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Thank you for the great review, Anita. We really appreciate it!

Rated 4 out of 5 stars
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Denis, thank you for taking the time to submit such a kind review! We appreciate it.

Rated 1 out of 5 stars

Train your people to not tell the…

Train your people to not tell the client what they want to hear but actually where your claim is in the process

12 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Cathy, thanks for reaching out. We work hard to reimburse you as quickly as possible. We generally complete claims in 30 days or less. You'll receive email notifications as your claim is being processed, but you can also track it along the way in the Member Center. If you would like to discuss the claim process time frame in more detail, please give our customer service team a call at 1-866-204-6764.

Rated 5 out of 5 stars
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

That is wonderful to hear, LR. Thank you so much for your kind review!

Rated 5 out of 5 stars

I've been using these folks for a…

I've been using these folks for a couple of years now and I wanted to say I appreciate their efforts in getting me paid for a couple of tests from my most recent Vet visit. The way my Vet bills things it doesn't show the charge but along with my vets help the folks at ASPCA got me squared away. Again, thank you.

13 April 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Thank you for choosing ASPCA Pet Health Insurance, Chris! 🥰 We appreciate the kind words 🧡

Rated 5 out of 5 stars

Excellent coverage

Each claim i have submitted for my little dog has been paid in a short amount of time and paid fully for her benefits due. Very happy with this company. This is my first opportunity to have pet insurance and I am so grateful to have a company that does everything it promised.

5 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Pam! We appreciate the kind words - give your pup some extra treats from us!

Rated 1 out of 5 stars

The coverage isn't worth the cost

The coverage isn't worth the cost. This is my second year with this insurance and it's only gotten worse. I will go back to Nationwide, which was a much better option.

6 May 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Joel, we’re really sorry to hear you're unhappy with your experience. If you would like to speak to someone directly or address any specific claims in greater detail please give us a call at 1-866-204-6764.

Rated 4 out of 5 stars

Smooth Claims Every Time

The customer support, easy online portal and claims management process have all been easy and great. Never had any issue getting things paid for. ASPCA was also wonderful when one of my pets died from cancer.

I do feel like I have other friends who pay less for more coverage, so from a price standpoint, I'm not sure competitive ASPCA is. HOWEVER, I continue to insure through ASPCA regardless because I've such an easy and great experience. I have not worked with other companies, so maybe it's a pay for what you get scenario where the rates I pay ensure I have a better experience.

5 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Thank you for taking the time to share your kind review with us, Rachael! Please don't hesitate to reach out to our customer care team if you ever have any questions; we would be happy to assist. Thanks again!

Rated 1 out of 5 stars

All around terrible

Terrible website, just automatically denies claims and says documents aren't enough when I've provided everything they ask. Total scam.

1 May 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi TJ, we’re really sorry to hear you're unhappy with your experience. If you would like to speak to someone directly or address any specific claims in greater detail please give us a call at 1-866-204-6764.

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