ASPCA Pet Health Insurance Reviews 6,536

TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Looking at 304 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, often through direct deposit. Reviewers frequently highlight the helpful and compassionate customer service, especially during difficult times, making the overall process straightforward and supportive. The coverage is often described as excellent and affordable, with many feeling secure in their pet's health and well-being. However, some customers also noted significant dissatisfaction with customer service, reporting issues with unresponsive communication and difficulty getting claims accurately processed or approved. There are concerns regarding denied claims, sometimes due to requests for extensive medical history or alleged failure to verify information with vets, leading to unexpected out-of-pocket expenses. Additionally, some people mentioned significant premium increases, particularly for older pets, making the insurance less competitive or affordable over time.

What people talk about most

Claim

Clients share ambiguous opinions on claim processing, with some reviewers reporting quick and easy claim... See more

Service

Users describe ambiguous interactions with service, with many expressing satisfaction and gratitude for the... See more

Customer service

Customers had ambiguous experiences with customer service, with some reviewers reporting positive... See more

Price

Reviewers highlight ambiguous aspects of price, with some finding the pet insurance affordable and offering... See more

Payment

Reviewers mention ambiguous feedback about payment, with some customers reporting quick payments and... 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

I've had ASPCA Pet Insurance for multiple pets for over 7 years. Fortunately I only recently had to file a claim after one of my fur babies got seriously ill very suddenly, and ended up passing. Not o... See more

Company replied


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

5-star
4-star
3-star
2-star
1-star

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Rated 1 out of 5 stars

GET READY FOR YOU PREIUM TO INCREASE!

My monthly premium went from $189/month to $305/month for my english bulldog because she turned 6 years old. I've had to lower my coverage so I can afford to insure her. I think its disgusting what ASPCA is charging for coverage. You suck!!!

9 June 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Eric, 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, 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

Was a previous customer do it was…

Was a previous customer do it was basically reopening my account

9 June 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi David, 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

Best coverage plans

Easy of filing, quick payments, and coverage. ASPCA has coverage plans to fit most pocketbooks.

9 June 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Helpful and knowledgeable contact

Helpful and knowledgeable contact. Easy to talk with and clarify questions.

2 June 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Ease of website

Ease of website, payment options, and reimbursements make me feel very secure in the health and wellness of my pet.

2 June 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Recent claim

Your website is very easy to navigate and submitting a claim is noncomplicated.

2 June 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Great customer service

Customer service helped to walk me through the process of filling a claim. I was grateful for the help and now will wait for my reimbursement.

2 June 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Esther. 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

Terrible Customer Service & Claim Processors. Once Resolved I'm going to look into going back to Lemonade.

I have submitted two claims. One was successfully approved and applied to the deductible.

A second claim was closed without my consent and noted that it was my request. (it was not)

A third claim was made from the medical history they requested and denied.

I resubmitted my main claim and asked that they prioritize it due to resetting the SLA by closing my original claim. They just replied again, asking which claim I would like to close? At this point, I have to believe they are using A.I need to answer emails and resolve claims.

I simply want the last claim I submitted resolved.

Advise to ASCPA: Use real humans. If you are using humans, please retrain them both on phones, emails, and claims. As someone who works in insurance claims, this experience was horrendous. If you do not have a quality assurance team, please note you need to invest in one or continue to lose members.

Please resolve my claim ASAP.

27 May 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Gracey, we’re so sorry to hear that you’re unhappy with your experience. We appreciate you taking the time to share your feedback and have sent your concerns to our team for further review.

Rated 1 out of 5 stars

Looking into different insurance companies

I will be searching for different insurance companies after this experience. I submitted a claim on March 2nd, submitted all the paperwork, it kept getting denied because they lost my vets notes, so 3 months later of going back and forth with them, they finally “found them” all of a sudden, just for them to deny my claim again, I submitted an appeal but just found out I was given the wrong email so I have to call back AGAIN, and was told the appeal will take another 30-60 days, mind you, I have been dealing with this for 3 months now. I pay quite a bit of money a month for this insurance just for them to give me a headache and not want to pay a single penny of any of my dogs vet bill. By the time this is all done we’re looking at 5 months to get a claim processed.

2 June 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Jessica, we’re so sorry to hear that you’re unhappy with your experience. We appreciate you taking the time to share your feedback and have sent your concerns to our team for further review.

Rated 1 out of 5 stars

Customer service is understaffed and terrible

I have had ASPCA insurance for quite a while...this pet and my first pet. I have been basically happy with them because i did not need live customer service/support. Today I call with a simple question, which should have been answered on the website but is not. I was on hold for 15 minutes, then cut off. Called back and waited another 10 minutes only to get someone whose English is spotty and who could not help me.
I am angry because it has been a wasted morning. I pay a lot of money for this service and I am wondering about the value. Unless the customer service improves I will no longer recommend this company and will have to look elsewhere for insurance for my pup. All I ask is that someone who knows something answers the phone in a timely manner.

1 June 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Cara, we’re so sorry to hear about this. We’re making this a priority and have flagged it with our team right away. We know how important timely support is, and we truly appreciate your patience while we look into this.

Rated 5 out of 5 stars

The process was very simple

The process was very simple. The only difficulty I had was in how to pick what health problem it was. But after I got used to the list, it went much easier. I called once and the customer service person was very helpful. The reimbursement is quite quick as well taking about a week or so.

26 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 1 out of 5 stars

I still have yet to be reimbursed for…

I still have yet to be reimbursed for my dog Charlie browns vet visit.

27 April 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Adam, 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

Every pet should have coverage!

Recently my baby became paralyzed and required an expensive surgery. ASPCA quickly reimbursed me for the costs!

26 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Turn times have gotten way better

Turn times have gotten way better. Keep up the great work!

26 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Great insurance company!

Submitting a claim is always no problem. I am notified quickly that the claim was received and the payment is always prompt. Great insurance company!

19 May 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Grest insurance company.....I purchased ASPCA pet insurance for my…

I purchased ASPCA pet insurance for my cat, I took my cat to the cat dentist a couple of weeks later to get his teeth cleaned and it turned out they needed to pull 13 teeth it cost me $2200 and ASPCA within 2 weeks gave me back almost $1600 this company does exactly what they tell you they're going to do, I'm very satisfied with them the customer service reps were wonderful, they spoke English and they treated me very well, I highly, highly recommend,I pay 43 a month 250 deductible and they pay 80 percent, they were wonderful....thank you again

5 March 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Andrew! We appreciate the kind words - give your cat some extra belly rubs from us!

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