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.
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Is ASPCA Pet Health Insurance legit?
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.
What reviewers say
AI generated
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.
Still waiting for insurance rebate have not heard back from a claim I've done .
Reply from ASPCA Pet Health Insurance2026-05-28
Hi Carlos, 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.
The website is easy to manage. The claim response is timely; great customer service. I just wished that the sticker shock to insure pets over 10 years wasn’t so much even for pets that have been relatively very healthy.
Reply from ASPCA Pet Health Insurance2026-05-26
Great to hear, Verónica ! Thank you so much for sharing your positive feedback with us.
I’ve had ASPCA Pet Health Insurance for my Cat for over seven years, and overall my experience has been positive. The coverage helped significantly with emergency vet bills, and the claim submission process online was fairly simple. Reimbursements were not instant, but I usually received payment within a couple of weeks.
What I like most is the broad coverage options, especially for accidents and illnesses. It gave me peace of mind knowing I wouldn’t have to make financial decisions during an emergency.
Overall, I’d rate ASPCA Pet Health Insurance 4 out of 5 stars. It’s a solid option for pet owners looking for reliable protection, especially if you enroll your pet while they’re still young and healthy.
Reply from ASPCA Pet Health Insurance2026-05-28
Great to hear, Sonia! Thank you so much for sharing your kind review with us.
If I could give 0 stars I would. It’s a complete waste of time and money.
If I could give 0 stars I would.
This has been a complete scam, from the time I enrolled in March 2025 until now, end of May 2026. I have paid over $900 in premiums since I enrolled my pet. I have submitted 5 claims totaling just over $2,000 and ALL of my vet records. My vet's office also supplied all the records, which are very detailed, and go back 11 years. All of my claims were denied initially stating I hadn't provided the records. After ensuring they did have all records, I was told the claims would be reprocessed within 10 days. When I hadn't heard anything for over 30 days, I called customer service, and they confirmed I had provided everything needed and the man on the phone stated HE would personally ensure that ALL of my claims were reprocessed and he would contact me in 24-48 hours. That was 4 days ago.
This morning I had an email stating I would hear from them in another 30 days. THIS IS UNACCEPTABLE. While I've been waiting on responses, I've been paying the premiums. My pet was NEVER covered under the insurance plan I've paid over $900 for to keep him safe and healthy. I've done my part 100%. ASPCA Pet insurance has NOT provided the services I've paid for. I've wasted so many hours of time on the phone or sending emails and records and I'm currently waiting on the phone AGAIN right now. DO NOT pay for this service. It is a total waste of money. And a complete waste of time, trying to get your calims paid or your money back.
I have requested a refund and heard nothing back. I feel completely scammed.
Updated June 15, 2026. ASPCA pet insurance still has not approved my claims or issued me a refund. At this point for my own sanity, I am just canceling the policy, even though I feel I was scammed out of $900 in insurance premiums.
Don’t waste your time or money. Pet insurance is personal. We are trusting these companies to help us keep our pets healthy. I couldn’t be more disappointed by this company.
Reply from ASPCA Pet Health Insurance2026-05-28
Hi Danielle, we're sorry to hear you're unhappy with your experience. We appreciate you sharing your concerns and have sent your feedback to our team for further review.
Thank you for taking the time to share your positive review with us, Amador! Please don't hesitate to reach out to our customer care team if you ever have any questions; we would be happy to assist!
Hi Lauren, thank you for your positive feedback! We are thrilled to claim submission process user-friendly. We appreciate you taking the time to share your positive review with us!
I am satisfied with the insurance. Just wish I would not have to be reimbursed for charges.
Reply from ASPCA Pet Health Insurance2026-05-28
Thank you for taking the time to share your positive review with us, Rewa! Please don't hesitate to reach out to our customer care team if you ever have any questions; we would be happy to assist. Thanks again!
Hi Hannah, 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! 🧡
Claims are easy to submit and they are paid pretty quickly, I haven’t had any issues with coverage although I do wish they didn’t cap the coverage amount.
Reply from ASPCA Pet Health Insurance2026-05-26
Hi, thank you for the kind words, 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. Thank you again! 🧡
Get this:
I have my two horses insured here for accident/colic. My horse had to have colic surgery and the bill was over $17,000. Guess how much they reimbursed me? $889.00!!! Don't know how or why they denied practically everything! What a joke. Canceling this insurance immediately! I thought having insurance through the ASPCA was the right thing to do since I donate to them regularly. Thought they would be an honest and trustworthy company. WRONG!!!
ASPCA-don't bother to reply with an I'm sorry you had a bad experience and to call customer service.
Reply from ASPCA Pet Health Insurance2026-05-26
Hi Lori, we're sorry to hear you're unhappy with your experience. We appreciate you sharing your concerns and have sent your feedback to our team for further review.
I’ve submitted 4 separate claims so far for one total issue, as there have been many vet visits. Submitting has been easy, and they have accepted explanations referencing the previous info without a problem. EOBs have been clear and reviews and reimbursements for the first three have been timely.
Reply from ASPCA Pet Health Insurance2026-05-28
Thank you for the great review, Anita. We really appreciate it!
Impossible to cancel policy without calling and they're closed frequently
Decent pricing but we just simply weren't using it. After years of spending thousands of dollars on insurance, canceling was a massive headache. There's no option on the website to cancel your policy, nor to message/email them requesting thus, so you're stuck calling them - And then, you're restricting to their office hours.
We might eventually enroll in insurance again when our dog gets older, but we won't be using ASPCA simply due to the headache it is to cancel a policy.
Reply from ASPCA Pet Health Insurance2026-05-26
Hi JE, we're really sorry to hear you're thinking about canceling — we know that's never an easy decision. We understand you have reached out and we apologize for any difficulties reaching us. While we aren't able to manage cancellations over social media, our customer care team is here to help at 1-866-204-6764 if you'd like to talk it through.
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