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.
Written by the business, not verified by us.ASPCA Pet Health Insurance (aspcapetinsurance.com) has a 3.6 out of 5 rating on OK.one, based on 169 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 64% rate it 4 stars or higher while 25% give 1 star; The business has replied to 91% of negative reviews; Reviews mostly discuss Customer service, Price, Product. Last updated 2026-08-29.
Most reviewers were somewhat happy with their experience overall. Customers frequently mention that submitting claims is completely straightforward, and reimbursement payments usually arrive quickly without causing any unnecessary stress. Many consumers appreciate the comprehensive coverage provided for various pet medical conditions, noting that the online platform makes managing policy details very simple and efficient. Some reviewers were not happy with significant price increases, observing that monthly insurance premiums tend to rise substantially as pets age. A few other people also felt that claim processing could occasionally become frustratingly slow or subject to unexpected coverage denials or communication difficulties.
Auto-generated from all reviews of this business. For reference only.CLAIM: I TOOK THIS POLICY OUT IN JAN 2026 AND I RECENTLY PUT IN A CLAIM FOR $838 because my dog has been diagnosed as having an enlarged heart that is putting pressure on his lung. My claim was denied. After 2 weeks. They sent me a notice that his prior record in Aug. of 2025 showed he had a heart murmur. I was never informed that he wouldt be coverd for future heart issue until I put in a claim. I am very disappointed. I plan to contact the Calif insurance commissioners office.
Not only do they handle their claims timely but when I had to report that one of my dogs had died I was treated with genuine compassion and concern. Someone also called me the next day to make sure I was okay. And when I added a new pet my needs were listened to as well as my financial concerns and the policy chosen was explained well. Highly recommend.
After taking almost a month just to review my claim, then to ask multiple times for more information, my claim was actually denied! Now I have to submit an appeal, which can take up to 2 months. These companies will look for anyway to NOT pay.
Its always stressful when your fur babies are sick and having ASPCA insurance has been such a huge relief for unexpected illnesses that inevitably pop up. Super grateful for my coverage and for how easy they make the claims submission process. This has been the best investment for my pup and a financial life saver !
Hi, Alexis! We appreciate the kind words - give your pup some extra treats from us!
ASPCA is easy to deal with but we’ve been with them for 7 years and their monthly coverage price has double in price
Confidence and trust that ASPCA has our pets health and wellness their priority and concern and have been there when we needed them most with illness and unfortunate injuries. Our heroes to our four legged members of our families.
Hi Cynthia, thank you for the wonderful feedback! We’re so glad you chose ASPCA Pet Health Insurance to help protect your pet! 😊🐾
When my dog hurt his leg and I submitted all documentation, this company denied the coverage even being applied to the deductible. ASPCA claims that they never received the information from the vet and when I spoke to the vet, they forwarded the email. After six months I am canceling this coverage. They only steal your money and offer zero value.
Hi Tom, we’re really sorry to hear you're unhappy with your experience. 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.
Extremely frustrating, I ended up cancelling my policy after the first claim was denied because they wanted my pet’s health records from the prior year. I had the policy for 8 months before putting in a claim and as I had moved I could not obtain the requested records. The prior vet did not respond. When I inquired what the path forward was - how would I be able to have any claim approved without the mandated records - I only received generic responses often one to two weeks later. Timely they were not. I received no help. I feel like I wasted my money buying this policy. I am hopeful they cancel my policy without any issue.
Hi Stace, thank you for taking the time to share your experience — we’re genuinely sorry to hear it didn’t go the way you’d hoped. If there’s anything more you’d like to share or talk through, our team is here for you at 1-866-204-6764. Wishing you and your pet all the best moving forward.
When I first went with ASPCA pet insurance they were efficient and paid in a timely fashion.Now not so much.They sell pet insurance but will tell you that they aren’t a pet insurance company. My Schnauzer had bladder stones so I can’t really change to another company and she be covered on bladder stones . If you are looking for pet insurance seriously consider lemonade or some of the other companies. Every now and then they will process my claim in a timely manner and they do pay for what is covered.
Hi David, we apologize for any inconvenience this delay may have caused you, please be assured that your claim is receiving attention from our team. We're actively working on it and striving to process it as quickly as possible. We’ve sent this to our team for review. In the meantime you may login to the Member Center to monitor its progress as well.
I have had them since my pup was 12 weeks old. They have been awesome covering prescription food and supplements for her liver condition when she turned 7. They reimburse fairly fast. Unfortunately my pup will be 9 in March and they took my 79.00 a month premium to 171.50!!!!!! that is why the 3 stars. They say it is not based on claims but on age and location only?????? but the increase is astronomical! and I could not afford it so I had to increase my deductible and could only get it down to 131.00 a month! Next year I can only imagine what they will do to me premium wise. Just in shock.
Hi Cheryl, 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, give us a call at 1-866-861-9092 — we’re here to support both you and your pet.
Before Pet Premium was bought out by ASPCA, I had excellent customer service for many years. I was speaking to people where English was their first language. My claims were completed in a week. Now I called to ask about a claim and could not even understand the rep and there was so much background noise, I could not even hear anything he said. DISGRACEFUL! People sitting in a loud room and he told me nothing.
Hi Tracee-Jo, we’re so sorry to hear that you’re unhappy with your experience. We appreciate you taking the time to share your feedback and have sent your concerns to our team for further review.
After many months of prompt reimbursement, suddenly ASPCA is dragging its feet with processing. My last two claims have sat on the "submitted" stage for weeks, where just a couple of months ago I would have already been reimbursed. I've tried calling, but I'm connected with incomprehensible customer service operators via a lousy connection who know nothing and speak from the same script. If nothing happens in the vaunted "2-4 weeks," I'll call the sales number, and then I'll start emailing up the corporate food chain. My cat is sick. Do your job.
Hi Susan, we apologize for any inconvenience this delay may have caused you, please be assured that your claim is receiving attention from our team. We're actively working on it and striving to process it as quickly as possible. We’ve sent this to our team for review. In the meantime you may login to the Member Center to monitor its progress as well.
I submitted 3 claims. It took them 4 weeks to deny them. I pay 120$ a month and I have already paid my vet almost 1000$ for services. My dog had diarrhea took him to the vet he had worms. Got medication. Next claim he had an ear inf got medication and then an eye inf. More medication. They said I wasn’t eligible. What does that mean? I have complete coverage. They don’t explain why it’s no eligible. I am not happy and I WILL be canceling this ins on Monday when they open. Don’t recommend them at all.
Hi Sharon, we’re really sorry to hear you're unhappy with your experience. 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.
ASPCA Pet Insurance used to process my claims within days and issue reimbursements a week later. Over the last two months, service has drastically declined. I currently have two claims stuck in "QUEUED" status for nearly four weeks. When I reached out, customer service provided a canned response instead of a real solution. I am extremely disappointed with this sudden drop in quality and am filing formal complaints with the NYS Attorney General and the Department of Financial Services.
great experience.who was over the phone help me to understand how the pet insurance works. thank you so much for the help and support
In the past I have paid $125.11 every month fot this insurance.I was told by my pets vet that he had a heart murmur I got a second exam complete cardiac work up by a vet cardiologist which shows that he doesn't have a heart murmur at the cost of $952.00 out of pocket and my claim was denied because they stated it was preexisting which it wasn't when I first got this insurance. I wouldn't recommend this insurance for any pets in fact my family members whom I suggested this too are canceling there insurance with them.
It’s very easy to file a claim but sometimes it takes a while to be processed. Overall I’m satisfied.
Handling claims in a timely fashion, and customer service
Fantastic customer service, quick payment on claims, ease of claim submission, user-friendly website and app, fair pricing, never have to fight for what should be paid—all around great pet insurance company.
Quick replies to questions and great phone customer service representatives
Thank you for taking the time to share your wonderful eview with us, Thomas!
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