ASPCA Pet Health Insurance Reviews 

6,550
TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Evaluating 311 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. Reviewers frequently highlight the helpful and compassionate customer service, especially during difficult times such as a pet's passing. The coverage is often described as excellent and affordable, providing peace of mind for unexpected health issues and preventative care. However, some people were dissatisfied with significant rate increases, particularly as pets age, making the insurance less competitive. A number of reviewers also experienced issues with claims being denied without clear justification or due to difficulties in verifying information with their vets. Some customers reported a lengthy and difficult process for claim approval and a lack of responsiveness from customer service representatives.

What people talk about most

Claim

Consumers find claim processing to be ambiguous, with many reporting denials due to reasons like congenital... See more

Service

Customers had ambiguous experiences with service, with many expressing satisfaction and gratitude for the... See more

Customer service

Users describe ambiguous interactions with customer service, with many reviewers expressing satisfaction with... See more

Price

Reviewers mention ambiguous feedback about price, with some finding the pricing reasonable and even... See more

Payment

Customers consistently note ambiguous experiences with payment, with some reviewers praising quick payments... 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

Extremely helpful and stress-relieving! We have had ASPCA's pet insurance for years, and it's been great knowing that any unexpected health problems and regular preventative care screenings are cov... See more


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

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3.7

All reviews

(6,550)

304 reviews in the last 12 months

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Rated 5 out of 5 stars

The process was excellent

The process was excellent. Everything is very accessible and easy, thank you.

17 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 2 out of 5 stars

Long wait times

Aspca pet insurance has way too long wait times for reimbursement, choose carefully

17 March 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Kathleen, we're sorry to hear you're unhappy. The duration can vary based on factors such as having all the necessary documentation and the volume of claims received. 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 1 out of 5 stars

I am extremely disappointed with this…

I am extremely disappointed with this pet insurance company. I paid monthly premiums expecting meaningful reimbursement for my cats’ veterinary care, but the amounts I received were nowhere near what I was led to expect. In my experience, the reimbursements did not even cover half of the bills, which made the policy feel like a poor value overall. For what I was paying each month, I expected much better support and far more reasonable coverage. Based on my experience, I would not recommend this company.

16 March 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Victor, 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 2 out of 5 stars

Thought it was good, then it turned bad real fast

My cat has been to the vet several times in the past year. Long story short, we are working on diagnosing gastrointestinal issues and it took several visits to even realize that's what it was. I had no issues with claims until his past visit. They denied it, claiming that I didn't have the right medical records, so I tried for the next month to provide everything, but they kept denying it, despite me giving everything I had. Customer service wasn't helpful, but I finally got an answer out of them as to what they needed. I submitted the extra documents, and they instantly denied my claim with no explanation as to why. What am I paying for? I have been trying to get my coverage for the past month and they won't even give me my explanation of benefits to tell me why they are declining me. Unless this is rectified, I'm cancelling by this weekend.

19 February 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Noah, 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

So easy to put a claim in

So easy to put a claim in. Very helpful customer service

10 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Nick. 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 5 out of 5 stars

Easy to navigate & quick refunds

The website is easy to navigate and they are quick to process my claims. I’ve been happy with this insurance for my two cats.

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Ease of use

I received great on phone support and found the site easy to navigate.

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Norris. 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 5 out of 5 stars

Prompt reimbursements

Prompt reimbursements, reasonable prices, flawless service. Never been declined on a claim.

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Would Recommend

Very easy to navigate and prompt reimbursement

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Simply THE best

We have recently experienced a very stressful period with our dog. Over the more than 2 months it has taken to help him successfully recover, ASPCA Pet Health Insurance has nothing short of a blessing! Previously, we did not insure pets, but now being retired and on a limited/fixed income, decided to when we added Rufus to our little family. During this difficult time, ASPCA was amazing. The claim filing process is simple, the response time is outstanding, and the coverage is superb AND affordable! We live in true "dog lover country" here and I recommend ASPCA whenever I can!!

In a time of automated/AI driven unresponsive service providers, it has been a joy to quickly and EASILY reach
a real person when necessary and get clear, concise assistance. THANK YOU for providing THE best customer service!

7 March 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Charmene. 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 5 out of 5 stars

Everything was quite easy

Everything was quite easy. We've never had pet insurance before and we chose ASPCA because of the cost and all of the things you cover. We are getting our first reimbursement soon!

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Wendy, thanks for the review! We like to reach out early to ensure our new members experience a smooth onboarding process. Thank you for taking the time to provide some feedback - we really appreciate it!

Rated 5 out of 5 stars

Excellent insurance

They have consistently been responsive. My Cavalier King Charles Spaniel has 2 serious health conditions & they have paid large amounts. We are so grateful, and could not recommend them enough.

13 February 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

I’ve that all my pets insurance w them…

I’ve that all my pets insurance w them for over 10years and would never be without. Coverage is excellent and affordable. Claims are processed quickly and when more information is needed THEY actually will reach out to my vet which makes things go so much faster. With all the other companies out there, I wouldn’t even entertain the thought of changing.

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Easy to use App with fast response…

Easy to use App with fast response time. Love that I can also talk to a Vet with questions.

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Venise, thank you for your positive feedback! We are thrilled to hear that you found our app user-friendly. We appreciate you taking the time to share your positive review with us!

Rated 1 out of 5 stars

Very bad experience with this company

Very bad experience with this company. Unresponsive and cold when my pet died . I had to call 4 times for my claim to be processed correctly.

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Lourdes, we know losing a big part of the family is never easy. We're so sorry to hear about your loss. We appreciate you sharing your feedback and have sent this to our team for further review.

Rated 5 out of 5 stars

Enrollment was easy and the customer…

Enrollment was easy and the customer service was exceptional.

30 December 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Excellent Pet Insurance

We’ve had ASPCA pet insurance for our English Bulldog since we got him at eight months, and they are so quick to respond to our claims. And their app is so easy to navigate.

3 March 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

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