ASPCA Pet Health Insurance Reviews 6,535

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

Wonderful first experience with pet insurance. I hadn't bought it for my previous pets, but I finally did for my rescue bulldog because I knew he could have some costly expenses throughout his life. I did some research and ultimately chose ASPCA because of other peoples' good experiences and their fair rates (as I'm on a budget). They process claims quickly, pay fast, and I haven't had any bad experiences so far. I recommend!

I have spoken to a few of your representatives and all were outstanding!! Leslie, Jay, Jason to name a few
Please acknowledge these people they are a great asset to your company

Easy to add a new pet. The customer service representative made it a quick and easy process

my dog got this pet insurance becuase my daughter has it and never had a issue from acl surgery to accidents. my dog tore her acl sometime in november 2025 and we noticed no pressure on the leg. the claim was denied because may 2025 we took the dog in for as docotr noted sore muscle. Doctor wrote a letter for a appeal telling them this is not pre-existing. Still denied. i called and was told not matter what goes on with that leg it will always be denied.

I canceled my policy after only 2 months. I submitted claims that were denied due to "failure to receive medical records". The vet submitted all necessary records. After I called twice I kept getting the run around from "customer service" and immediately canceled my policy. This insurance is not worth the hassle.