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 5 out of 5 stars

It was very easy to file claims

It was very easy to file claims, following their instructions, and the claims were processed as expected. Very satisfied with the process.

13 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

I have several pets and use aspca…

I have several pets and use aspca insurance for all of them. A couple times ive had to make a claim (thanks to my almost 2 year old 'dennis the menace' dog ) its been easy and fast.

13 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

First claim submitted and processed

After emailing my vet bill in , it was quickly reviewed and processed. My reimbursenent was sent quickly after
Very satisfied!

30 December 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

I'm happy with the service I've received.

I'm happy with the service I've received. Signing Charlie up for insurance was easy. I'm just not sure whether I received the 10% savings.

13 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Merle, thank you for the kind review and 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 5 out of 5 stars

Great company

Company has been really easy to work with. Claims are filed quickly.

13 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Great customer service

Great customer service! Very knowledgeable and helpful!

13 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

I needed to add new pet to insurance

I needed to add new pet to insurance. Operator was very helpful going through the process. Very satisfied with her help and very professional.

5 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Eddie, thank you for your kind review! We are thrilled to hear that you found our customer care team helpful. We really appreciate you taking the time to share your positive experience with us!

Rated 5 out of 5 stars

My representative

My representative, Jason, was extremely helpful and caring. He answered all my questions and was so patient. Always returned my calls promptly and every time he was very considerate and understanding about my feelings and questions. He was very professional, knowledgeable and friendly. Great experience!

6 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Evie, thank you for your kind review! We are thrilled to hear that you found our customer care team helpful. We really appreciate you taking the time to share your positive experience with us!

Rated 1 out of 5 stars

Poor excuse for a insurance company.We…

Poor excuse for a insurance company.We the have 2 dogs on this policy. The claims we submitted were denied. Now I want to cancel our policy and there is no link to cancel. Do not insure with this company or you'll be sorry

20 February 2025
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Tony - We're sorry to hear you've chosen not to renew your coverage. Unfortunately, we cannot accept cancellations here. You are welcome to give us a call at 1-866-204-6764 with your request.

Rated 1 out of 5 stars

Their website literally does not work

I enrolled in a plan but ended up cancelling within a matter of days because their website literally does not work.

I registered and created an account, but it then required me to enter a six-digit code because I was using a "new" device (even though it was the same device I used to create the account just minutes previously).

It took 15 minutes for the code to arrive, and when I went to enter it, the website said it had already expired.

So I tried again, and the same thing happened.

I called and told them I was cancelling effective immediately. This is absolutely inexcusable incompetence.

It's a shame that this organization is using (and sullying) the ASPCA name.

9 January 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi William, thank you for taking the time to share your experience — we’re genuinely sorry to hear it didn’t go the way you’d hoped. If there’s anything more you’d like to share or talk through, our team is here for you at 1-866-204-6764. Wishing you and your pet all the best moving forward.

Rated 5 out of 5 stars

Thank You ASPCA

Today I received a letter of condolences from the ASPCA Pet Health Insurance on the passing of my dog Tanner. While I was extremely touched, I was not surprised, because they have been an incredible company. My girl (Cane Corso) had a series of issues as she aged, and ASPCA covered all of her care - from a custom leg brace, to chemotherapy, to acupuncture, to her final cremation, when the time came. I KNOW that Tanner had a longer quality of life because of the care that she was able to receive. I highly recommend this insurance.

8 January 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi JD, losing a big part of your family is never easy. We're so sorry to hear about your loss. We sincerely appreciate your feedback and are sharing it with our teams now. In the meantime, please accept our deepest condolences on your pets’ passing.

Rated 5 out of 5 stars

ASPCA pet insurance makes is super…

ASPCA pet insurance makes is super easily to submit claims. They have an amazing support team who explains everything so well. They’re always very attentive, when my sweet girl passed away, they sent me a sweet letter. It’s the little things that make a huge difference. Adding coverage for other pets is also super simple, the app is easy to work.

6 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Belen, losing a big part of your family is never easy. We're so sorry to hear about your loss. We sincerely appreciate your feedback and are sharing it with our teams now. In the meantime, please accept our deepest condolences on your pet’s passing.

Rated 5 out of 5 stars

Knowledgeable and friendly

The representative I spoke to was very kind and knowledgeable. She helped me in a quick fashion and was able to answer all my questions.

6 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Anna. We are thrilled to hear that our customer care team was able to provide you with the assistance you needed and answered all your questions. Please don't hesitate to reach out again if you ever have any other questions, we would be happy to assist!

Rated 1 out of 5 stars

Please read and beware if your pet truly gets sick!

I am contacting my lawyer to sue these awful thieves as well as TV news media to expose their dirty scheme.
Please read if you are considering purchasing this insurance because if you do, you will be as livid and frustrated as I am.
If I could give zero stars I would.
I purchased this insurance 8 years ago with the level 2 accident and new illness plan for my Chihuahua. We started the plan when my dog was 9.
At age 16, my dog developed pulmonary hypertension.
We found this out through testing, and then follow up treatments involving echocardiograms and also hospital stays as the illness progressed.
I submitted claims for all of the above, and they were all rejected because apparently there is a small hidden clause in the policy that says that chihuahuas are genetically predisposed to get mitral valve from birth, and mitral valve causes pulmonary hypertension, so basically, if your dog truly gets sick, even when they never had a sick day in their life, blame it on the breed, so they have an excuse to not pay out! We found this out the hard way as we spent close to $10,000 helping our dog. I would never regret spending the money to help the dog but I regret investing in this fraudulent insurance that has deceptive ways of getting around paying what they should be obligated to pay. I spoke to a rude supervisor named Katie who said she was the highest point of contact and to read the policy. I did read the policy and it still doesn’t clearly state that my dog isn’t covered by this insurance. She was immovable and reluctant to do anything to help me except to repeat the mantra “read the policy” which conveniently says to go on the website and look at exclusions for certain breeds. In other words, all breeds are genetically predisposed to something, and when you read the fine print, we won’t cover any breed for anything major.
I do know that there are definitely points of contact above Katie, the names of the CEO and many others above Katie are listed in the policy and will also be listed in my lawsuit.
Well,
1- see you in court because I will not let up.
2- a very close friend of mine works for ABC TV news for the department that helps consumers and exposes fraud, so don’t be surprised when they show up at your offices to expose you nationally.
If you get lucky and none of the above works for me, just know that I will use every resource known to man and flood all of social media so that everyone is aware why they shouldn’t buy your policy.
I may never get my $10,000 in claims back but I guarantee you that you will lose a lot more than $10,000 of business when I get through making people aware of what you do!
The only good experience I had was with the representative who cancelled my policy!

2 January 2026
Unprompted review
Rated 1 out of 5 stars

Horrible service

Horrible service. Website having issues. Called customer service to cancel my policy Was on hold forever. Finally they said they’d have someone call me back. Waited an hour and a half. No call back. Called again. Was put on hold then someone from the wrong department answered. I’m canceling my policy. This is ridiculous

5 January 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi David, thank you for letting us know — we’re making this a priority and have flagged it with our team right away. We know how important timely support is and we've sent this to our team for further review.

We understand that you have called, the fastest way to connect with us is by calling 1-866-204-6764, and one of our team members would be glad to help.

Rated 5 out of 5 stars

ASPCA is very reliable.

The reliability of ASPCA.

30 December 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Representatives are such a pleasure to work with

Representatives are such a pleasure to work with.

30 December 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Andrea! We are thrilled to hear that our customer care team was able to provide you with the assistance you needed and answered all your questions. Please don't hesitate to reach out again if you ever have any other questions, we would be happy to assist!

Rated 5 out of 5 stars

The experience has been fine

The experience has been fine. However I was just quoted policies for both dogs at significantly less cost, and instead of a $3000 maximum annual benefit, it is for $20k on each dog.

2 January 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Tamatha! Thank you so much for sharing your positive feedback with us. If you would like to discuss any policy details further, we would be happy to help. Please give us a call at 1-866-204-6764. Thanks again!
.

Rated 1 out of 5 stars

Terrible experience with this company

Terrible experience with this company . Would not pay on any claim . All they say on any claim is that it’s preexisting condition we are not covering claim . Do not use this company if you want good health care for your pet .

28 December 2025
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Anthony, we’re really sorry to hear you're unhappy with your experience. We’ve already shared your feedback with our team to make sure it’s taken seriously. If you’d prefer to talk 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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