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.Was a previous customer do it was basically reopening my account
Hi David, 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! 🧡
Easy of filing, quick payments, and coverage. ASPCA has coverage plans to fit most pocketbooks.
Thank you for the great review, Iris. We really appreciate it!
Helpful and knowledgeable contact. Easy to talk with and clarify questions.
Hi Barbara, we’re so glad you chose ASPCA Pet Health Insurance! Thank you 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! 🧡
Ease of website, payment options, and reimbursements make me feel very secure in the health and wellness of my pet.
That is wonderful to hear, Sunny. Thank you so much for your positive review!
Having this pet insurance has been great. Claims are easy to submit and handled quickly.
That is wonderful to hear, Mark. Thank you so much for your kind review!
Your website is very easy to navigate and submitting a claim is noncomplicated.
Hi Alice, thank you for taking the time to submit such a kind review! We appreciate it.
Prompt response to my claims. Keeps me updated on the progress of my claim. Notifies me quickly when a claim has been paid.
Great to hear, Joan! Thank you so much for sharing your positive feedback with us.
I have submitted two claims. One was successfully approved and applied to the deductible. A second claim was closed without my consent and noted that it was my request. (it was not) A third claim was made from the medical history they requested and denied. I resubmitted my main claim and asked that they prioritize it due to resetting the SLA by closing my original claim. They just replied again, asking which claim I would like to close? At this point, I have to believe they are using A.I need to answer emails and resolve claims. I simply want the last claim I submitted resolved. Advise to ASCPA: Use real humans. If you are using humans, please retrain them both on phones, emails, and claims. As someone who works in insurance claims, this experience was horrendous. If you do not have a quality assurance team, please note you need to invest in one or continue to lose members. Please resolve my claim ASAP.
Hi Gracey, 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.
Customer service helped to walk me through the process of filling a claim. I was grateful for the help and now will wait for my reimbursement.
Hi, Esther. We are thrilled to hear that our customer care team was able to provide you with the assistance you needed and answered all your questions. Please don't hesitate to reach out again if you ever have any other questions, we would be happy to assist!
Hi Sarah, thank you for taking the time to submit such a kind review! We appreciate it.
I will be searching for different insurance companies after this experience. I submitted a claim on March 2nd, submitted all the paperwork, it kept getting denied because they lost my vets notes, so 3 months later of going back and forth with them, they finally “found them” all of a sudden, just for them to deny my claim again, I submitted an appeal but just found out I was given the wrong email so I have to call back AGAIN, and was told the appeal will take another 30-60 days, mind you, I have been dealing with this for 3 months now. I pay quite a bit of money a month for this insurance just for them to give me a headache and not want to pay a single penny of any of my dogs vet bill. By the time this is all done we’re looking at 5 months to get a claim processed.
Hi Jessica, 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.
The process was very simple. The only difficulty I had was in how to pick what health problem it was. But after I got used to the list, it went much easier. I called once and the customer service person was very helpful. The reimbursement is quite quick as well taking about a week or so.
Hi Helen, we’re so glad you chose ASPCA Pet Health Insurance! 😊🐾 Please don't hesitate to reach out again to our customer care team if you ever have any questions; we would be happy to assist! 🧡
I have had ASPCA insurance for quite a while...this pet and my first pet. I have been basically happy with them because i did not need live customer service/support. Today I call with a simple question, which should have been answered on the website but is not. I was on hold for 15 minutes, then cut off. Called back and waited another 10 minutes only to get someone whose English is spotty and who could not help me. I am angry because it has been a wasted morning. I pay a lot of money for this service and I am wondering about the value. Unless the customer service improves I will no longer recommend this company and will have to look elsewhere for insurance for my pup. All I ask is that someone who knows something answers the phone in a timely manner.
Hi Cara, we’re so sorry to hear about this. 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.
That is wonderful to hear, Stephanie. Thank you so much for your positive review!
Recently my baby became paralyzed and required an expensive surgery. ASPCA quickly reimbursed me for the costs!
Hi Tamara, thank you for taking the time to submit such a kind review! We appreciate it.
I still have yet to be reimbursed for my dog Charlie browns vet visit.
Hi Adam, thanks for reaching out. We work hard to reimburse you as quickly as possible. We generally complete claims in 30 days or less. You'll receive email notifications as your claim is being processed, but you can also track it along the way in the Member Center. 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.
Turn times have gotten way better. Keep up the great work!
Thank you for choosing ASPCA Pet Health Insurance, Lee! 🥰 We appreciate the kind words!
Submitting a claim is always no problem. I am notified quickly that the claim was received and the payment is always prompt. Great insurance company!
Great to hear, Susan! Thank you so much for sharing your kind feedback with us.
Great to hear, Charisa! Thank you so much for sharing your kind review with us.
claims process is horrible and customer service never followed up calling me back. I had to make several phone calls and emails to just keep getting the runaround and they kept denying my claims even though I provided all necessary documents. This company likes to take you money but does not like to pay any claims. I would highly NOT recommend this pet insurance company to anyone!
Hi Glenn, 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.
169 reviews matching
Spot Pet Insurance
Pumpkin Pet Insurance
Trupanion
Pets Best Pet Health Insurance
Embrace Pet Insurance
Fetch Pet Insurance
Figo Pet Insurance
MetLife Pet Insurance