ASPCA Pet Health Insurance Reviews 6,521

They cover my dogs allergies and his prescription food which is great. Not a fan of how long the reimbursement can take. I wish they covered flea and tick prevention.

If you have a Chihuahua or part Chihuahua dog, don't bother paying high premiums to insure it. These people denied my claim for surgery on my dog recently because his Vet mentioned in 2024 that he had loose knees. Nearly all Chihuahua breeds have this genetic condition! The dog never so much as limped until last month when he tore his acl. Their illness policy is supposed to cover genetic conditions. Well, so much for that lie!

Great prices and coverage. App is very user friendly. So far so good, just submitted my very first claim for my puppy. Let’s see how the turnaround time goes.

Very very slow in processing claims.
Our dog is purebred, AKC registered.
No health issues whatsoever, yet was rehomed to us with no medical records that could be obtained. Our vet has said he is in perfect health. We had this baby for a year now, yet even for a wellness check it is the same garbage. They want two years records. Been insured now for a year with them too. Take the money and deny claims is their game.

They give you such a difficult time to reimburse you. They also make scenarios in their head and give their self a reason to reject claims. One time I was rejected and the reason was because I was still in my initial waiting period, made no sense since I was already a member for 3 years. They reject you with the dumb jest reasons

ASPCA has been amazing to my pets
fast reimbursement with claims

The people we talked too were very interested on our cat and seemed to show concern in their voice. Very smart about the company benifits for pet iwners.

Very easy to submit a claim and I am really Happy about how speedy claims are processed.
Also every year your able to change your plan if you need to add coverage or decrease coverage.

Straightforward claims submission process - my vet emailed me a copy of my bill that I was able to upload. ASPCA asked for a full medical history, but that was something they were able to access by contacting my vet directly, so it was not burdensome. Then the claim was processed and my payment was direct deposited into my bank in somewhere around a week total - I wish human health insurance worked this well.

Explained my policy thoroughly

We put our beagle boy, Gilbert, to rest two weeks ago after 18 months of battling kidney disease. ASPCA was nothing short of superb throughout the whole process. Handled every claim, closed the account without our having to do a thing, even sent a lovely voice mail and email expressing their sympathies. Can't say enough about them. If we get another fur baby, ASPCA will be the first call.

Thank you to the entire ASPCA insurance team.

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