ASPCA Pet Health Insurance

it took a month to process the last…

it took a month to process the last claim. the current open claim hasn't yet be looked at.

As of now i have been VERY disappointed…

As of now i have been VERY disappointed with this pet insurance. I lost my dog in January of 2025 and had a wonderful experience with Healthy Paws. Due to the astronomical vet bills at the end of his life I decided to put my cat on insurance this January of 2026. I chose this one based on reviews and decided thought the price was fair. He had his first check up Feb. 2026 and all was good. Beginning July his energy dropped significantly. We thought it was the heat. Per my sons insistance, we took him to the emergency vet and found out that he had late stage lymphoma and anemia. He is only 7 years old. Almost a month later and over $6000 the first claim came back saying it was denied!! NO EXPLANATION. I am beside myself. I have 4 more claims pending and am in total shock at the moment. I pray it is a mistake.

I have spent over 1600 since jan 2026…

I have spent over 1600 since jan 2026 in membership fees. i have a healthy dog that goes to vet for normal check ups. i have two vet bills one for 700 and another for 800. that is 1500 dollars that i could have paid for both vet bills.keep in mind the 800 bill was for a senior wellness exam. so basic normal services. aspca is giving me the run around for my dog bently and trying to tell me i am missing medical records when i gave them all of Bentleys records.so upsetting and stressful. aspca claims that they pay you 90% BS! like i said i have a healthy dog. i just cancel my cc with this fraud company they are ripping people off left and right!!!! i just sent them a nasty email to terminate my membership and delete my information. do not i repeat do not get scammed by this company!!!!! be aware!!!!

Slow response for claims.

I was very pleased with ASPCA for past paymjents but this year, they seem to be either behind or ignoring claims. I submitted a claim, with more to go and It has been in a que for three weeks. there is no way to get in touch with them except during the week when I am working so writing this to get their attention, perhaps. They raised my premium $31.00 so it seems like things should be going faster. I am worried if I put in the rest of the claims they will raise the premium again. As a retired person, that would make this premium similar to my medicare premium and supplemental. Hope to hear from them soon.

My dog insurance continues precipitivly…

My dog insurance continues precipitivly if I chose to insure her at the 90% level. I just received a $3000+ renewal policy rise as my dog ages- no surprise. The form used to fill out claims is terrible-the limit to refunds for certain services may partially cover only one incident of an ongoing illness or partially cover meds or shots or other services. ASPCA prides itself on being THE American advocate for dogs at the same time they raise prices but not benefits. I saw a post on Nextdoor that quoted the enormous 6 and 7 digit salaries of the top administrators. I used to have Healthy Paws which was better than this policy but when my dog died and they covered the surgery they would not insure my next dog. What a racket. I RESCUE dogs from shelters who would have been euthanized-the polite way to say- killed. There is often no history. I thought that the ASPCA was all about dog welfare and even rescue. But as always there are administrators making huge salaries and investors who want as much as they can get-so prices for insurance increases as refunds decrease and covered services MAY be at partially covered before it stops entirely. So maybe people who rescue have to make higher salaries as prices increase and services decrease. Doesn't the ASPCA as well as other dog insurance companies realize that their high fees cause people to surrender dogs to shelters? To be euthanized? People who love their dogs can't afford the insurance. So the shelters are overfilled. It's pathetic. Dog insurance companies such as yours and others are directly responsible for the death of so many shelter dogs whose owners can no long afford to feed them and insure them, so they put them in shelters and they are killed. That's right-killed- with one shot to euthanize them, not 2 as a private vet will do. I challenge you to go to a shelter and watch a dog euthanized whose owner couldn't affordf insurance. To put it bluntly, go to a shelter and see how your increasing policies impact dogs and owners.

they didn’t want to pay them

they didn’t want to pay them. They kept asking me for a lot of additional information. I sent everything three different times, but I got tired of going back and forth, so I gave up and just kept paying out of pocket. About two months later, I asked someone to cancel my policy. They asked me why, so I explained everything. They said, “No, don’t cancel. I’ll help you.” She immediately started the claims process. Now I have another bill that’s been sitting there for about 20 days. I’ve called three times, and as of two days ago they said someone was finally reviewing it. I always pay my premiums on time, but I don’t see them processing claims quickly like other insurance companies do. Most other companies take about a week.

After waiting several weeks ASPCA…

After waiting several weeks ASPCA denied my claim after stating records were not received. Not only were they attached to the claim but they were again provided the same day they made a request. Within 24 hours the “completed” my claim without reimbursement. I have called several times and have received no response. ASPCA team- contact me ASAP. This is extremely disappointing.

Very fast reimbursement

It's easy to understand and I've always…

It's easy to understand and I've always had no problems with the service.

Pre-Existing Condition

My dog got a UTI and ear infection and this was labeled as a pre-existing condition. How is a UTI and ear infection a pre-existing condition? Make it make sense.

Good deal to cover 5 cats.

Ease of doing a claim

Ease of doing a claim! Simple. Everything is very quick.

Fast

Fast, simple

Claim reimbursement

It's been about a week since I sent Vet bill for my dog Ranger. Still haven't received anything on the claim I sent in.

I have been waiting over 3 weeks for 2…

I have been waiting over 3 weeks for 2 claims to be processed.

Easy app to use and easy to file claim

Easy to sign up

Easy to sign up. Everyone very helpful. This is my second pet that I’m insuring

I have this insurance for one pet and…

I have this insurance for one pet and it already paid for itself!

I have 3 horses I took to the vet for…

I have 3 horses I took to the vet for their yearly vaccines, tooth float etc. Aspca promises to refund part of this once a year and has been great in the past. This year they quickly refunded 2 but decided they needed 2 years of dr. notes for the 3rd. I'm assuming this is because I actually had an injury claim for this horse in 2024. My only injury claim the whole time I've had this policy. I uploaded all the receipts and notes I had. They want more from the vet and are closing my yearly check up reimbursement claim in 3 days if they don't receive anything from the vet. My vet is very busy and I doubt they will get anything in on time. This is a $175 claim that they tout as part of their package. It has nothing to do with any injuries. I feel like this is harassment. Buyer beware.

They have doubled my monthly premium in…

They have doubled my monthly premium in the last two years without me ever having filed a claim.