ASPCA Pet Health Insurance Reviews 6,537

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.

I am extremely dissatisfied with this company. I faithfully paid monthly premiums for months, and when I needed coverage for my dog’s surgery, they denied my claim without justification. I wish I could put Zero Stars.

They are just scammers DO NOT fall for them , when it comes to paying they don’t stand on their words and make up reasons to don’t pay

My claims were processed and refunded quickly and without issue. They’ve made it easy to file claims, and do follow up with vets on their end to keep things simple. I’ve had good experiences with them so far.

Return response has always been timely, and explanation thorough

ASPC has been paying for the vet bills as per what is stated in their policy (and other places dont do that).

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

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

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.

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.

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

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.

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

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

I was very pleased with how fast you processed the claims

Very easy to navigate and prompt reimbursement

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!