ASPCA Pet Health Insurance Reviews 

6,569
TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Considering 325 reviews, most reviewers were somewhat happy with their experience overall. Many customers appreciate the straightforward claims process, often noting quick processing and timely payments. Reviewers frequently highlight the excellent and compassionate customer service, providing significant support during stressful times when pets are ill or injured, and offering peace of mind by covering substantial veterinary costs. However, some customers noted challenges with claim denials, often due to medical record verification or pre-existing conditions. Others felt premiums increased significantly, especially for older pets, raising affordability concerns. Additionally, some reviewers reported difficulties with customer service, citing unhelpful responses or a lack of follow-up.

What people talk about most

Claim

People report ambiguous experiences with claim processing, with many reviewers praising the ease and speed of... See more

Service

Reviewers mention ambiguous feedback about service, with many expressing satisfaction, highlighting that the... See more

Customer service

Customers consistently note ambiguous experiences with customer service, with many praising the helpfulness,... See more

Price

Reviewers highlight ambiguous aspects of price, with some customers finding the service affordable and... See more

Payment

Clients share ambiguous opinions on payment, with many reviewers reporting positive experiences, citing quick... 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

User friendly web-site to register for Pet Insurance. For over 10 years, ASPCA has been very affordable for my pups! When my 5 year old Doberman was diagnosed with Cancer, ASPCA was AMAZING with he... See more

Company replied


Company details

  1. #15 of 17 best companies in 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

(6,569)

321 reviews in the last 12 months

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Rated 5 out of 5 stars

My claims are always paid quickly

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

May 26, 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, Diane!

Rated 5 out of 5 stars

Happy Customer

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.

May 26, 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 3 out of 5 stars

Still waiting for insurance rebate have…

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

May 19, 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Carlos, 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 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.

May 18, 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.

May 19, 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.

May 19, 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.

May 12, 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.

May 17, 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.

May 11, 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

May 12, 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.

April 13, 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.

May 5, 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!

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