ASPCA Pet Health Insurance Reviews 

6,569
TrustScore 3.5 out of 5

3.7

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

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. 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

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

3.7

All reviews

(6,569)

321 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Never had a problem with any claims…

Never had a problem with any claims since I’ve been with them. Claims are always processed quickly.

10 February 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 1 out of 5 stars

this company misadvertises

this company misadvertises. Even if you wait the 14 day period they call everything pre- existing. Denied all our claims trying to say they were pre existing. if your pet had a body before INSURANCE ITS PREEXISTING!!
THEY SUCK!

10 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Melissa, we’re really sorry to hear you're unhappy with your experience and have shared your feedback with our team. If you would like to speak to someone directly or address any specific claims in greater detail please give us a call at 1-866-204-6764.

Rated 5 out of 5 stars

Go For It!

Love It and Would Recommend It!

25 November 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 1 out of 5 stars

I'm writing this review in hopes of…GETTING AHOLD OF CUSTOMER SERVICE

I'm writing this review in hopes of getting better customer service (someone please respond to my emails and explain why my claim was denied). My dog had an accident and was injured. I pay for an accident-only policy. What is the point of paying for insurance if applicable reimbursements are denied? Very frustrated and upset that I have huge out of pocket expenses- this is exactly what I was trying to avoid when I purchased this pet insurance policy!

2 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Sarah, we’re really sorry to hear you're unhappy with your experience. If you would like to speak to someone directly or address any specific claims in greater detail, please give us a call at 1-866-204-6764.

Rated 5 out of 5 stars

Very good experience

Very good experience. The person I talked to was very helpful.

3 February 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 1 out of 5 stars

I have been paying insurance for 6…

I have been paying insurance for 6 years and the first time I need it ... They pay nothing. It is a joke. I submitted over $1300.00 in bills and they approved ZERO that's right nothing!

3 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Laurie, we’re really sorry to hear you're unhappy with your experience and have shared your feedback with our team. If you would like to speak to someone directly or address any specific claims in greater detail, please give us a call at 1-866-204-6764.

Rated 5 out of 5 stars

Five Star Customer Service

I submitted a first time claim on my cat, Tiberius …he’s never had a health problem in 13 years. I was concerned that my claim was going to be delayed because of an auto generated email asking for all my cats history. He doesnt have any past incidents or vet visits documented. But Gelo, the customer service representative, I spoke with resolved my concern immediately. He was assuring, considerate and a great representative for ASPCA Pet Insurance.
I am very happy with the way the process is going and ASPCA Pet Insurance.
Thank you.

3 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Randy, thank you for taking the time to submit such a kind review! We appreciate it. Please give Tiberius some extra treats from us!

Rated 4 out of 5 stars

Great coverage for accidents and health conditions

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 don't understand why I can't raise my policy's limit. Inflation can raise the cost of doing business, but not my coverage.

3 February 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Kelsey! Thank you for the wonderful review. The fastest way to connect with us is by calling 1-866-204-6764 — one of our team members would be happy to answer any policy questions you have in greater detail. Thank you again!

Rated 4 out of 5 stars

Resolved issue…

Long wait on hold wasn't ideal but the rep offered to call me back and took care of my issue without any further difficulty

27 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Shannon, thank you for sharing your positive feedback with us! We apologize for any difficulties you had reaching us, and please do not hesitate to reach out again if you ever have any questions. Thank you for your kind review!

Rated 1 out of 5 stars

A waste of time and money with this…

A waste of time and money with this company. Go with another pet Insurance that actually cares about your pet with cheaper insurance and better coverage.

1 January 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Jen, 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 or would like to address any specific claims, 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

We truly love the coverage that we have…

We truly love the coverage that we have for our puppy, and we wouldn't ever consider switching to another company. The turn around for claims is quick, the app and claim submission is easy to navigate, and it is accepted by many providers. ASPCA is truly wonderful!

18 February 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, TJ! We appreciate the kind words - give your pup some extra treats from us!

Rated 5 out of 5 stars

I was well informed oc what I was…

I was well informed oc what I was purchasing and the customer service rep was very caring and patient.

23 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Isabel, thank you for your positive feedback! We’re thrilled to hear that you found our customer care team helpful. We appreciate you taking the time to share your positive review with us, and please do not hesitate to reach out again if you ever need further assistance!

Rated 5 out of 5 stars

Filing Insurance Claims are Easy

I just filed my first Insurance Claim with my mobile app and it was very easy. I have 2 cats with 2 claims to file and it took like 4 mins.

27 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Dog’s surgery covered no problem!

I was so relieved when my dog’s surgery was covered no problem. We are so so happy.

27 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Maria, thank you for the wonderful feedback! We're so glad you chose ASPCA Pet Health Insurance to protect your pet! 🧡

Rated 5 out of 5 stars

We are SO thankful to have ASPCA pet…

We are SO thankful to have ASPCA pet insurance. It makes getting great care for our cats so easy. The claims process is easy and quick.

26 January 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Very easy to file

Very easy to file. Fast to process claims

20 January 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, Maria!

Rated 5 out of 5 stars

Agent was friendly and helpful

Agent was friendly and helpful

20 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, thank you so much 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!

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look