ASPCA Pet Health Insurance Reviews 

Quick process with proper reimbursement.

Keep me up on my claims

If I could give 0 stars I would.

This has been a complete scam, from the time I enrolled in March 2025 until now, end of May 2026. I have paid over $900 in premiums since I enrolled my pet. I have submitted 5 claims totaling just over $2,000 and ALL of my vet records. My vet's office also supplied all the records, which are very detailed, and go back 11 years. All of my claims were denied initially stating I hadn't provided the records. After ensuring they did have all records, I was told the claims would be reprocessed within 10 days. When I hadn't heard anything for over 30 days, I called customer service, and they confirmed I had provided everything needed and the man on the phone stated HE would personally ensure that ALL of my claims were reprocessed and he would contact me in 24-48 hours. That was 4 days ago.

This morning I had an email stating I would hear from them in another 30 days. THIS IS UNACCEPTABLE. While I've been waiting on responses, I've been paying the premiums. My pet was NEVER covered under the insurance plan I've paid over $900 for to keep him safe and healthy. I've done my part 100%. ASPCA Pet insurance has NOT provided the services I've paid for. I've wasted so many hours of time on the phone or sending emails and records and I'm currently waiting on the phone AGAIN right now. DO NOT pay for this service. It is a total waste of money. And a complete waste of time, trying to get your calims paid or your money back.
I have requested a refund and heard nothing back. I feel completely scammed.

Updated June 15, 2026. ASPCA pet insurance still has not approved my claims or issued me a refund. At this point for my own sanity, I am just canceling the policy, even though I feel I was scammed out of $900 in insurance premiums.

Don’t waste your time or money. Pet insurance is personal. We are trusting these companies to help us keep our pets healthy. I couldn’t be more disappointed by this company.

Quick processing of claims.

I’ve had ASPCA Pet Health Insurance for my Cat for over seven years, and overall my experience has been positive. The coverage helped significantly with emergency vet bills, and the claim submission process online was fairly simple. Reimbursements were not instant, but I usually received payment within a couple of weeks.

What I like most is the broad coverage options, especially for accidents and illnesses. It gave me peace of mind knowing I wouldn’t have to make financial decisions during an emergency.

Overall, I’d rate ASPCA Pet Health Insurance 4 out of 5 stars. It’s a solid option for pet owners looking for reliable protection, especially if you enroll your pet while they’re still young and healthy.

My claims are always paid quickly, I have never had any problems. The price is reasonable.

The website is easy to manage. The claim response is timely; great customer service. I just wished that the sticker shock to insure pets over 10 years wasn’t so much even for pets that have been relatively very healthy.

Always easy working with ASPCA health insurance

Still waiting for insurance rebate have not heard back from a claim I've done .

Affordable pet insurance

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.

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.

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

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

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.

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.

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