ASPCA Pet Health Insurance Reviews 

Great!!!!!!!

Great customer service had patience to answer all of my needs

Claims denied because "despite repeated attempts they could not verify information with my vet." Despite sending over ~40 pages of PDFs for the last 2 years health on my pet, and super weird how whenever I call the vet they answer?

In effect, if they want to deny your claim they can just say "sorry we totally tried calling but then like, no one answered? weird right anyways MONEY PLEASE"

Stay far, far away from this garbage company. What a total joke.

PS: Bonus points for -- in the year 2026 -- being one of those awesome companies that will happily let you sign up friction-free online, but if you want to cancel they make you call them. That alone is a red flag.

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.

ASPCA is incredible for my dogs. Thank you.

The premium is reasonable, claims are easy to file, and claims are paid fast.

I wish I had never switched from Nationwide pet insurance for our pet insurance- This has been a really negative experience- I suggest you consider an alternative. I swapped because I thought this would be a good option for a bit less per month, this was a mistake and we are switching back.

Great customer service, prompt response, very easy to use app for claims and quick payment processing.. highly recommend

Wonderful first experience with pet insurance. I hadn't bought it for my previous pets, but I finally did for my rescue bulldog because I knew he could have some costly expenses throughout his life. I did some research and ultimately chose ASPCA because of other peoples' good experiences and their fair rates (as I'm on a budget). They process claims quickly, pay fast, and I haven't had any bad experiences so far. I recommend!

I have spoken to a few of your representatives and all were outstanding!! Leslie, Jay, Jason to name a few
Please acknowledge these people they are a great asset to your company

Easy to add a new pet. The customer service representative made it a quick and easy process

my dog got this pet insurance becuase my daughter has it and never had a issue from acl surgery to accidents. my dog tore her acl sometime in november 2025 and we noticed no pressure on the leg. the claim was denied because may 2025 we took the dog in for as docotr noted sore muscle. Doctor wrote a letter for a appeal telling them this is not pre-existing. Still denied. i called and was told not matter what goes on with that leg it will always be denied.

I canceled my policy after only 2 months. I submitted claims that were denied due to "failure to receive medical records". The vet submitted all necessary records. After I called twice I kept getting the run around from "customer service" and immediately canceled my policy. This insurance is not worth the hassle.

I am extremely dissatisfied with this company. I faithfully paid monthly premiums for months, and when I needed coverage for my dog’s surgery, they denied my claim without justification. I wish I could put Zero Stars.

They are just scammers DO NOT fall for them , when it comes to paying they don’t stand on their words and make up reasons to don’t pay

My claims were processed and refunded quickly and without issue. They’ve made it easy to file claims, and do follow up with vets on their end to keep things simple. I’ve had good experiences with them so far.

Return response has always been timely, and explanation thorough

ASPC has been paying for the vet bills as per what is stated in their policy (and other places dont do that).