ASPCA Pet Health Insurance Reviews 6,536

TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Looking at 304 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 those claims, often through direct deposit. Reviewers frequently highlight the helpful and compassionate customer service, especially during difficult times, making the overall process straightforward and supportive. The coverage is often described as excellent and affordable, with many feeling secure in their pet's health and well-being. However, some customers also noted significant dissatisfaction with customer service, reporting issues with unresponsive communication and difficulty getting claims accurately processed or approved. There are concerns regarding denied claims, sometimes due to requests for extensive medical history or alleged failure to verify information with vets, leading to unexpected out-of-pocket expenses. Additionally, some people mentioned significant premium increases, particularly for older pets, making the insurance less competitive or affordable over time.

What people talk about most

Claim

Clients share ambiguous opinions on claim processing, with some reviewers reporting quick and easy claim... See more

Service

Users describe ambiguous interactions with service, with many expressing satisfaction and gratitude for the... See more

Customer service

Customers had ambiguous experiences with customer service, with some reviewers reporting positive... See more

Price

Reviewers highlight ambiguous aspects of price, with some finding the pet insurance affordable and offering... See more

Payment

Reviewers mention ambiguous feedback about payment, with some customers reporting quick payments 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 5 out of 5 stars

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 o... 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
3-star
2-star
1-star

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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!

18 February 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.

23 January 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.

27 January 2026
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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.

27 January 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.

26 January 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

20 January 2026
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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

20 January 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.

21 January 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.

20 January 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.

20 January 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?

3 November 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.

13 January 2026
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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.

13 January 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!

30 December 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.

Rated 5 out of 5 stars

I'm happy with the service I've received.

I'm happy with the service I've received. Signing Charlie up for insurance was easy. I'm just not sure whether I received the 10% savings.

13 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Merle, thank you for the kind review and we’re so glad you chose ASPCA Pet Health Insurance! 😊🐾 Please don't hesitate to reach out to our customer care team if you ever have any questions; we would be happy to assist! 🧡

Rated 5 out of 5 stars

Great company

Company has been really easy to work with. Claims are filed quickly.

13 January 2026
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Reply from ASPCA Pet Health Insurance

That is wonderful to hear, Tonya. Thank you so much for your kind review!

Rated 5 out of 5 stars

Great customer service

Great customer service! Very knowledgeable and helpful!

13 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

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

Rated 5 out of 5 stars

I needed to add new pet to insurance

I needed to add new pet to insurance. Operator was very helpful going through the process. Very satisfied with her help and very professional.

5 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Eddie, thank you for your kind review! We are thrilled to hear that you found our customer care team helpful. We really appreciate you taking the time to share your positive experience with us!

Rated 5 out of 5 stars

My representative

My representative, Jason, was extremely helpful and caring. He answered all my questions and was so patient. Always returned my calls promptly and every time he was very considerate and understanding about my feelings and questions. He was very professional, knowledgeable and friendly. Great experience!

6 January 2026
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi Evie, thank you for your kind review! We are thrilled to hear that you found our customer care team helpful. We really appreciate you taking the time to share your positive experience with us!

Rated 1 out of 5 stars

Poor excuse for a insurance company.We…

Poor excuse for a insurance company.We the have 2 dogs on this policy. The claims we submitted were denied. Now I want to cancel our policy and there is no link to cancel. Do not insure with this company or you'll be sorry

20 February 2025
Unprompted review
ASPCA Pet Health Insurance logo

Reply from ASPCA Pet Health Insurance

Hi, Tony - We're sorry to hear you've chosen not to renew your coverage. Unfortunately, we cannot accept cancellations here. You are welcome to give us a call at 1-866-204-6764 with your request.

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