ASPCA Pet Health Insurance Reviews 

6,550
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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4-star
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1-star

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3.7

All reviews

(6,550)

300 reviews in the last 12 months

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Rated 5 out of 5 stars

Never had a problem with any claims…

Never had a problem with any claims since I’ve been with them. Claims are always processed quickly.

10 February 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

That is wonderful to hear, Dolores. Thank you so much for your positive review!

Rated 1 out of 5 stars

this company misadvertises

this company misadvertises. Even if you wait the 14 day period they call everything pre- existing. Denied all our claims trying to say they were pre existing. if your pet had a body before INSURANCE ITS PREEXISTING!!
THEY SUCK!

10 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Melissa, we’re really sorry to hear you're unhappy with your experience and have shared your feedback with our team. 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 5 out of 5 stars

Go For It!

Love It and Would Recommend It!

25 November 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 1 out of 5 stars

I'm writing this review in hopes of…GETTING AHOLD OF CUSTOMER SERVICE

I'm writing this review in hopes of getting better customer service (someone please respond to my emails and explain why my claim was denied). My dog had an accident and was injured. I pay for an accident-only policy. What is the point of paying for insurance if applicable reimbursements are denied? Very frustrated and upset that I have huge out of pocket expenses- this is exactly what I was trying to avoid when I purchased this pet insurance policy!

2 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Sarah, 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 5 out of 5 stars

Very good experience

Very good experience. The person I talked to was very helpful.

3 February 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 1 out of 5 stars

I have been paying insurance for 6…

I have been paying insurance for 6 years and the first time I need it ... They pay nothing. It is a joke. I submitted over $1300.00 in bills and they approved ZERO that's right nothing!

3 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Laurie, we’re really sorry to hear you're unhappy with your experience and have shared your feedback with our team. 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 5 out of 5 stars

Five Star Customer Service

I submitted a first time claim on my cat, Tiberius …he’s never had a health problem in 13 years. I was concerned that my claim was going to be delayed because of an auto generated email asking for all my cats history. He doesnt have any past incidents or vet visits documented. But Gelo, the customer service representative, I spoke with resolved my concern immediately. He was assuring, considerate and a great representative for ASPCA Pet Insurance.
I am very happy with the way the process is going and ASPCA Pet Insurance.
Thank you.

3 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Randy, thank you for taking the time to submit such a kind review! We appreciate it. Please give Tiberius some extra treats from us!

Rated 4 out of 5 stars

Great coverage for accidents and health conditions

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 don't understand why I can't raise my policy's limit. Inflation can raise the cost of doing business, but not my coverage.

3 February 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Kelsey! Thank you for the wonderful review. The fastest way to connect with us is by calling 1-866-204-6764 — one of our team members would be happy to answer any policy questions you have in greater detail. Thank you again!

Rated 4 out of 5 stars

Resolved issue…

Long wait on hold wasn't ideal but the rep offered to call me back and took care of my issue without any further difficulty

27 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Shannon, thank you for sharing your positive feedback with us! We apologize for any difficulties you had reaching us, and please do not hesitate to reach out again if you ever have any questions. Thank you for your kind review!

Rated 1 out of 5 stars

A waste of time and money with this…

A waste of time and money with this company. Go with another pet Insurance that actually cares about your pet with cheaper insurance and better coverage.

1 January 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Jen, thank you for being open with us—we know affordability is a real concern, especially right now. With the rising cost of veterinary care, many pet parents are feeling the pressure. We’d love to help you explore options that might work better for your budget. If you’re open to chatting or would like to address any specific claims, give us a call at 1-866-861-9092—we’re here to support both you and your pet.

Rated 5 out of 5 stars

We truly love the coverage that we have…

We truly love the coverage that we have for our puppy, and we wouldn't ever consider switching to another company. The turn around for claims is quick, the app and claim submission is easy to navigate, and it is accepted by many providers. ASPCA is truly wonderful!

18 February 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

I was well informed oc what I was…

I was well informed oc what I was purchasing and the customer service rep was very caring and patient.

23 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Isabel, thank you for your positive feedback! We’re thrilled to hear that you found our customer care team helpful. We appreciate you taking the time to share your positive review with us, and please do not hesitate to reach out again if you ever need further assistance!

Rated 5 out of 5 stars

Filing Insurance Claims are Easy

I just filed my first Insurance Claim with my mobile app and it was very easy. I have 2 cats with 2 claims to file and it took like 4 mins.

27 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Great to hear, Dee! Thank you so much for sharing your positive feedback with us.

Rated 5 out of 5 stars

Dog’s surgery covered no problem!

I was so relieved when my dog’s surgery was covered no problem. We are so so happy.

27 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Maria, thank you for the wonderful feedback! We're so glad you chose ASPCA Pet Health Insurance to protect your pet! 🧡

Rated 5 out of 5 stars

We are SO thankful to have ASPCA pet…

We are SO thankful to have ASPCA pet insurance. It makes getting great care for our cats so easy. The claims process is easy and quick.

26 January 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Very easy to file

Very easy to file. Fast to process claims

20 January 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, Maria!

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