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.Hi Jason! We'd love to help however we can. If you would like to address any specific questions or concerns, the best way to get answers is by giving us a call at 1-866-204-6764 — one of our team members would be happy to assist you further.
ASPCA pet insurance settled a claim for me on May 7. I have never received a check for my claim. The customer service are nice but powerless to help. The customer service person said he would arange to cut me a new check and document it with an email. There was never an email sent. Finally the wait for a check is twenty days. The wait for a replacement check is also twenty days. It doesn't seem fair. Summary: Nice people biut they don't pay their bills.
Hi, Herb - we're so sorry to hear you are unhappy with your experience. If you have any further questions the fastest way to connect with us is by calling 1-866-204-6764 — one of our team members would be glad to address any specific claims or concerns further.
I have had the ASPCA pet insurance for over 6 years now, all 3 of my pets are covered. My journey started when Sadie my dog fell ill with a rare autoimmune condition. After visiting my primary care vet, and then transferred to an emergency hospital for a blood transfusion, she began to get better. Needless to say, the bill was extremely high. I am happy to say that the ASPCA insurance covered 90% with no questions asked, and to date several years later my cat had to see a specialist for a cancer scare, again the bill was high and the ASPCA insurance covered it with no questions asked. All I had to do in both cases and submit all my paperwork and it was very smooth. I will continue to work with this insurance company.
Thank you for choosing ASPCA Pet Health Insurance, Lance! 🥰 We appreciate the kind words 🧡 Please give your pets some extra treats from us!
It was easy to use the web site. Only problem was that my cats condition was not listed.
Hi Carole! Thanks so much for the kind review. For questions specific to your policy, the best way to get answers is by giving us a call at 1-866-204-6764. Thanks again!
I've had this insurance for a few months. My dog came down with a cough which warranted a vet visit. I was asked to upload medical records on here, which I did. Than I was asked again, and I did it again. Than I was asked again, and I did it again. Finally the claim was denied and I can't get ahold of anyone and no one calls me back in order to sort it out. There are 3 copies of the medical records attached to the denied claim. I've written emails, made phone calls, left messages, no one will help. They did cover the dental cleaning though at least.
Hi, thank you for reaching out and sharing your concerns. We're truly sorry this experience has been difficult — that's not what we want for you and your pet. We've shared your feedback with our team again to ensure nothing is overlooked. We understand that navigating changes can be frustrating, and we want to provide as much clarity and support as possible. If you're open to it, we'd really appreciate the chance to talk through your policy and explore any options that may be available to you. The fastest way to connect with us is by calling 1-866-204-6764 — one of our team members would be glad to help. Thank you for being part of the ASPCA Pet Health Insurance family and for trusting us to support your pet's care.
Getting claims accurately taken care of is as difficult as pulling teeth, if I didn't have so many animals I'd switch to another insurance provider. Only one customer service rep ever helped me, the rest just drug on my issues and did not follow up. I've been trying to get a surgery approved for my medically fragile cat for months, despite 3+ vet recommendations and countless visits they won't respond to me.
Hi K E, thank you for letting us know — we’re making this a priority and have flagged it with our team right away. We know how important timely support is, and we truly appreciate your patience while we look into this.
Claim was processed quickly. Very easy to submit claims.
That is wonderful to hear, Patricia. Thank you so much for your positive review!
Easy to deal with and very nice people, and also they resolved very fast !!!
Thank you for the great review, Nissey. We really appreciate it!
These guys are great! They are very reliable and process claims quickly. Would strongly recommend them if you have a cat or dog.
Hi James, thank you for taking the time to submit such a kind review! We appreciate it.
It was easy and so helpful. I am so very very thankful to have this support when in a time of stress over our little pal! thank you
Thank you for the kind review, Laura. We really appreciate it!
Ease and professional service
That is wonderful to hear, Brian. Thank you so much for your positive review!
I cannot speak on filing a claim as I just set up the plans for my new kittens. Customer Service to add kitten2 was outstanding and they helped me understand how the process works as I am new to pet insurance.
Hi Amanda, we’re so glad you chose ASPCA Pet Health Insurance! 😊🐾 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. Thanks again! 🧡
This was our first experience with pet insurance of any kind. Our Bella required surgery and making the claim was easy. She had complications that were life threatening. She passed away, unfortunately, but her care was extraordinary and we had the peace of mind her needs came first. We would definitely buy ASPCA Health insurance again and highly recommend it of others!
Hi Bill & Kathi, losing a big part of your family is never easy. We're so sorry to hear about your loss. We sincerely appreciate your feedback and are sharing it with our teams now. In the meantime, please accept our deepest condolences on sweet Bella's passing.
Thank you for the great review, Cristobal. We really appreciate it!
Representative who helped me was great explained everything answered my questions. Did a great job.
Hi Cathleen, we’re so glad you chose ASPCA Pet Health Insurance! 😊🐾 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. Thanks again! 🧡
So easy to submit a claim without it being bounced fir additional verification or weird information. Quick direct drposit.
Hi Sara, thank you for taking the time to share your positive feedback with us and submit such a kind review! We appreciate it.
My wife and I cannot say enough good things about ASPCA Pet Insurance. When our puppy, Coco Chanel, went through some troubling health issues, ASPCA was there for us every step of the way. During a stressful and emotional time, they made the insurance process incredibly easy and hassle-free. Every interaction we had with their team was filled with compassion, understanding, and genuine care. Claims were handled smoothly, communication was excellent, and we never felt like we were fighting to get the support we needed. Knowing that ASPCA Pet Insurance had our back allowed us to focus on what mattered most—helping Coco Chanel recover and giving her all the love and attention she needed. We are truly grateful for their outstanding service and highly recommend them to any pet owner looking for peace of mind and a company that genuinely cares about animals and their families.
Hi, Angel! We appreciate the kind words - give Coco Chanel an extra belly rub from us!
To hear my rates skyrocketed, while supposedly getting 2 different "discounts", finding out I need to wait over a month to even hope for a claim processed, and virtually no option to figure out who's processing my claims or how to get in touch with them, feels wildly disappointing. I know pet insurance takes a bit longer but this is far longer than anywhere else I've found or looked at. I really wish I'd looked more closely.
Hi Beth Anne, 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 and talk through any specific concerns you may have with your 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.
Okay so I have had this pet insurance for awhile the reimbursement is like 80 percent but when I do the math of my vet bill and the reimbursement it don't add up another problem I have is when I file a claim some of my reimbursements go towards my deductible witch I feel like all the money that I pay mouthy should go towards my deductible all the mouths that they charge me and I dont file a claim should go towards my deductible because it's like I don't use the insurance until I need it but im still being charged for it so all the money im am being charged when I dont use it should go towards my deductible ps I have had this insurance before 2025 but it will not let me pick a date before that
Hi Jasmen, 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.
My monthly premium went from $189/month to $305/month for my english bulldog because she turned 6 years old. I've had to lower my coverage so I can afford to insure her. I think its disgusting what ASPCA is charging for coverage. You suck!!!
Hi Eric, 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.
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