ASPCA Pet Health Insurance Reviews 6,523

Looking at coverage options is easy and straightforward! Prices are good and the claims we've submitted have been reviewed relatively quickly and payment issued promptly. No issues!

Started our policy over 2 years ago for our dog who had knee surgery done on her back L knee while back right knee was fine with no injuries. A week ago she needed knee surgery on the good knee but since she had one on the other 2+ years ago they said that it is bilateral and therefor also not covered even tho she tore that knee 2 months ago well into our policy that we’ve been paying monthly for. They did approve the x-ray when she tore her knee and the meds but the surgery to fix the knee they declined that bill. Customer service just repeated the same scripted info and were of no help to explain how this makes sense. Cancelling the policy because of this. Very scam feeling with this with what they approve and deny. Approve the small but find ways to decline the big bills

I started with this insurance June 2025. I've submitted two claims, nothing has been covered and I provided ASPCA with copies of all the history of my dog from the last 2 years at their request. I submitted dog history from the vet twice; October and again in November. They indicated on my login tonight I didn't povide the proper documenrtation. It's been 3 months and I've heard nothing. No email, nothing. I do n ot recommend this pet insurance; my last insurance covered within 2 weeks, were great with response. Unfortunately, they are not supporting my state any longer. I was forced to find new pet insurance and after research chose ASPCA. They have terrible response time, no calling, no email within a reasonable time period.

Our claims were reviewed, approved, and paid in under a week.

I've had ASPCA Pet Insurance for multiple pets for over 7 years. Fortunately I only recently had to file a claim after one of my fur babies got seriously ill very suddenly, and ended up passing. Not only did they pay my claim quickly with very little questioning, but they offered condolences and cancelled his coverage without my having to ask. I appreciated the fact that they made the process as easy as possible during such a difficult time.

When you put in a claim, you seem to get your money back in a timely fashion

Overall, good customer service, however, the insurance was for my folks’ parents’ pets. They are older and have a challenging time working with technology and I helped them with that. As go telephone services, it would have been nice if it were made easier to get contact with a Spanish speaker easier.

The WORST insurance. First of all, they donate a very tiny amount to ASPCA just to use their name. You are not supporting ASPCA in any meaningful way. Second, they deny most claims as pre-existing conditions, do not respond at all to emails, lose the file over and over need multiple phone calls and emails just to get to respond. Useless. I can't believe they run an insurance business this way.

I have had ASPCA insurance since 2019 with my first dog and 2 dogs since 2020. Both insured as puppies. Neither have chronic medical conditions. I filed 2 claims. 1 ear infection and a skin condition. Since 2024 my cost for both went from $90 per month to $210. More than double. I was told this is due to age increase and increases can go from 4-26%. Well the math isn’t mathing. Beware that your rates will increase to a ridiculous amount despite your pets being healthy. I am insured 10k 90% reimbursement. I don’t even pay this much for my car insurance. It makes no sense.

I give them a big fat 1 star. This company is very quick to take your payment but when it comes time to reimburse a policy holder they find any and every reason possible to not pay out. For an organization that says they help pets I would have thought better of them. They will not be getting anymore of my money ever.

Easy to file a claim. Great rates for my pups health care.

Easy, fast and rewarding.
I personally appreciate the quick response and fast refunds I am receiving using ASPCA insurance. So far it's been a good experience.

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

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!

your website is so easy to navigate & your process time for claims is fabulous

Love It and Would Recommend It!

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!

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