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.We were leery of pet insurance, but wanted to get some peace of mind and thought at the very least this could help an organization we support. What a good decision - one cat ended up in urgent care for a blocked bladder, another had major teeth issues. Claims are easy to file and process, and we've more than gotten our money's worth.
Thank you for the kind review, Erik. We really appreciate it!
Stay away from ASPCA Pet Insurance, you will end up paying $97 usd a month for a long time ans when it comes time for claims to be paid they will find every excuse to not pay you. Enroll at your own risk, don’t say you were not forewarned how ASPCA Pet Insurance functions! I’ve paid almost $100 a month for over a year, just had my dog visit a vet for the first time for $177 and they said only $70 was allowed. You do the math, win win for the insurance middlemen and we don’t get reimbursed. Just cancelled AND will never go back to ASPCA.
Hi Jed, 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.
Quick processing of claims. Good coverage for my Wheaten Terrier who cannot digest proteins and reasonable turnaround time for claims.
Hi, Lori! We appreciate the kind words - give your pup some extra treats from us!
I've had ASPCA for one of my dogs for 7-8 years now and added our new puppy. It was quick and easy. The price was great and I have faith that she is covered well.
Hi, Paula! We appreciate the kind words - give your pups some extra treats from us!
I submitted a claim on July 7th and it says it's still pending
Hi Todd, 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.
Can't easily cancel your policy. Website should have a way to easily cancel if they can easily take your payment information. Called customer service and they can't easily cancel either. I have to wait for a call back since there wasn't a person who has the ability to cancel. Why?
Hi Lisa, 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 you further at 1-866-204-6764 if you’d like to talk it through.
I don’t like how the processing takes long. You need to wait for like 10 to 14 days. When the claim is not that hard to be honest. Everything is there like the picture of the bill is getting sent but it still takes long and why is the monthly keeps going up.?
Hi Fatima, 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 always had good experiences with this insurance.
Thank you for choosing ASPCA Pet Health Insurance, Dorian! 🥰 We appreciate the kind words 🧡
Filing a claim is easy and the response is quick.
Hi Phyllis, thank you for taking the time to submit such a kind review! We appreciate it.
It has been weeks and my claim still has not been processed. Updated experience from one to three because they said they were sorry it took so long to process my claim. Then I downgraded to a 2 because they covered only half of my costs. True, I live in an expensive area, but it should have clearer that the coverage was skinny.
Hi, we're sorry to hear you're unhappy. The duration can vary based on factors such as having all the necessary documentation and the volume of claims received. If you would like to discuss the claim process time frame in more detail, please give our customer service team a call at 1-866-204-6764.
Great to hear, Claudia! Thank you so much for sharing your positive feedback with us.
Great insurance. Lets me know that my claim has gone through. They cover what they said they would and don't try to weasel out of paying! Plus, I like giving my $$ to a non-profit.
Thank you so much for your kind review, Pamela! We're thrilled to hear that you and your pet are happy with our pet insurance services. Your satisfaction means the world to us! However, we think you may have us confused with our strategic partner, the American Society for the Prevention of Cruelty to Animals (ASPCA®). As a partner, the ASPCA Pet Health Insurance program is administered by PTZ Insurance Agency, Ltd. We're proud to collaborate with such a reputable organization dedicated to animal welfare. This partnership allows us to provide comprehensive coverage and support for your furry friends. Thank you again!
This is my first experience with pet insurance and it’s disappointing. My claim was closed on July 10th with a direct deposit for my portion and a 2-3 business day wait. As of today, I don’t have the money. I don’t understand why an electronic transfer takes 2-3 days in the first place but I’m really confused as to why the money hasn’t shown up in my account, when I confirmed the correct bank information with them today, and they confirmed they released the funds. I’m definitely canceling when I find a replacement.
Hi Tanya, 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.
Stay away from this company and their insurance. They claim to cover a lot of things but when it comes down to needing to use the coverage they will do everything in their power to say the condition was pre existing. Premiums continually raise and the amount they will pay out lowers. Do not use!
Hi Lindsey, 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 or address any specific claims. 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.
Great help, fast reimbursement and good coverage options. Customer service always helpful.
Hi, Susan - we appreciate the kind review! Thank you for sharing with us.
I did not like the fact that you canceled so quickly. And that you cannot reinstate. I had to start all over again and have a waiting period the first lady I spoke to was no help at all. And then a gentleman did help me.But i'm not happy with your service and i'm shopping
Hi Kim, we're so sorry to hear you're unhappy. Please give us a call at 1-866-204-6764 if you would like to discuss your account in greater detail.
I have had completely positive experiences with ASPCA both with the comprehensive coverage I have been receiving and also with my experiences with customer support. Betsy a customer service representative has been a great support to me on several occasions. As well as all customer service representative have been to this point quite supportive, knowledgeable and understanding of my needs. My dog unfortunately has chronic conditions and without ASPCA Pet Insurance I would never be able to give him the proper care he needs. I am so satisfied with my decision to choose ASPCA after hours of researching other companies. I have also recommended ASPCA to family and friends who have chosen ASPCA. I hope the great service continues.
Hi, Theresa! We appreciate the kind words - give Betsy an extra belly rub from us!
Hi Edward, thank you for taking the time to submit such a kind review! We really appreciate it.
Cancelling service is difficult. I am unable to do it through the app and writing it in email was insufficient.
Hi Kristina, 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.
Hi Frank, thank you for taking the time to submit such a kind review! We appreciate it.
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