ASPCA Pet Health Insurance Reviews 6,523

TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Looking at 292 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 benefits. Reviewers frequently highlight the excellent customer service, noting helpful and caring representatives who provide prompt responses and clear explanations. The company is often praised for its compassionate approach, especially during difficult times such as the loss of a pet, and for offering affordable and competitive rates. However, some people were dissatisfied with claims being denied, often citing reasons like pre-existing conditions or a failure to verify information with veterinarians, despite customers providing extensive documentation. There are also concerns about the pricing for older pets and the difficulty of canceling policies.

What people talk about most

Claim

Reviewers mention ambiguous feedback about claim processing, with many expressing frustration over denials... See more

Service

Clients share ambiguous opinions on service, with many expressing satisfaction, highlighting that the company... See more

Customer service

Users describe ambiguous interactions with customer service, with many reviewers reporting positive... See more

Price

Customers consistently note ambiguous experiences with price, with many expressing dissatisfaction over high... See more

Payment

Reviewers highlight ambiguous aspects of payment, with some customers reporting prompt claim processing and... 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 4 out of 5 stars

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... 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
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1-star

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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!

February 3, 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.

February 3, 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.

February 3, 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

January 27, 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.

January 1, 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!

February 18, 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.

January 23, 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.

January 27, 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.

January 27, 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.

January 26, 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

January 20, 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

January 20, 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!

Rated 3 out of 5 stars

Can't Cancel/Stop Auto-renew?!?

I can not believe this company does not have a way to turn off the auto-renew of the policy. You have to call the day before and actually CANCEL the policy to prevent them from charging your card again. They are higher than most of the other companies. I've done the comparisons and will be going to another company. This was my first time having pet insurance. I did have to file 1 claim. Once the vet sent the information in, then I was able to get the reimbursement.

January 21, 2026
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Tom, we’re really sorry to hear you’re thinking about canceling — we know that’s never an easy decision. While we aren’t able to manage cancellations here, our customer care team is here to help at 1-866-204-6764 if you’d like to talk it through.

Rated 3 out of 5 stars

I like ASPCA

I like ASPCA, but the claim process has been difficult. For example if my dog went to the vet for wellness check, and they received the vaccine that is included in my coverage and I miss selected the correct treatment it would not be covered even though on the paperwork it clearly shows that my pet received that treatment.

January 20, 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Robert! Thank you for sharing your feedback with us. We would be happy to assist you further with your claim submission. If you have any questions, please don’t hesitate to call us at 1-866-861-9092 — we’re here to help.

Rated 5 out of 5 stars

Highly recommend for peace of mind

I had such a great experience with ASPCA that I switched all of my dogs insurance over to them. I have felt that my claims were processed quickly and honestly, and the customer service has always been friendly and helpful. I recommend ASPCA to anyone searching for pet insurance.

January 20, 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

Insurance that's there when you need it

My healthy dog had a sudden illness this year. It was very scary, he lost 25% of his body weight in three months and he was suddenly loosing the ability to walk. The vets couldn't figure out what was going on at first. Eventually, we learned it was PLN, protein losing nephropathy. A kidney disease that made his body attack himself. The solution was some new medications and a diet change. I am so grateful for how painless ASPCA Pet Health Insurance made this whole process. It was so easy to upload invoice from the vets and get direct deposits straight to my account. The website was easy to use and track how my claims were progressing. Everything was so straight forward. I recommend ASPCA Pet Health Insurance to any pet owners I know who are curious. Worth every penny. It's so rare to feel like your insurance is there for you when you need it and we're so grateful. Can you guys do humans, too?

November 3, 2025
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

It was very easy to file claims

It was very easy to file claims, following their instructions, and the claims were processed as expected. Very satisfied with the process.

January 13, 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.

Rated 5 out of 5 stars

I have several pets and use aspca…

I have several pets and use aspca insurance for all of them. A couple times ive had to make a claim (thanks to my almost 2 year old 'dennis the menace' dog ) its been easy and fast.

January 13, 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Thank you for the great review, Cara. We really appreciate it!

Rated 5 out of 5 stars

First claim submitted and processed

After emailing my vet bill in , it was quickly reviewed and processed. My reimbursenent was sent quickly after
Very satisfied!

December 30, 2025
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

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