ASPCA Pet Health Insurance Reviews

Updated on 07/08/2026: So upon reaching out and resubmitting the paperwork and with a written explanation. I have waited another two weeks. With no response. No email. No update. I call in and ask what’s going on. They tell me that claims can take anywhere from 2-4 weeks for someone to open up the file. I ask “well this isn’t exactly a new claim. It’s updating previous paperwork for a claim that’s already open.” They tell me that it will still take 2-4 weeks.

Continue to reject claims for emergency visits based on arbitrary notes from the diagnosis. Make sure you request your emergency center specify it was an accident or sudden on-site otherwise they will reject your claim. Utterly useless policies for any kind of emergency visits. Will never use their services.

They routinely reject most claims. Our dog had an accident and they would not cover us either. Find insurance elsewhere!!!

If you have a Chihuahua or a part Chihuahua dog, don't bother insuring it. These people rejected my surgery claim on a dog I have who NEVER so much as limped a day in his life until last month, when he tore his ACL. The reason they gave me is because his Vet noted on a routine exam 2 years ago that he had loose knees, like nearly ALL chihuahuas have. It's genetic with that breed. Oh, but ASPCA claims they cover genetic conditions under their illness policies. BS! Save your tax refunds, or just find a way to put funds aside for any pet needs.

I’m not happy with ASPCA. I called when I was concerned about my pet’s sudden illness and they recommended an emergency vet. I paid $1000 at the vet and submitted all the paperwork I can but they say they’re still missing info. No reimbursement. I live paycheck to paycheck and being out a $1000 has been so stressful. I thought that getting pet insurance was suppose to reduce the stress when the unexpected happens. Their AI will reply to this review, say they care, will send my words to their team for review, but nothing is going to change. Even if customer service allowed me to vent more, or regurgitate the policy to prove me wrong and cover their butts, the stress that they’ve caused will still be imprinted. The bs training you put your agents through is superficial. Stop pretending and promising.

The ASPCA is the worst pet insurance to buy for your beloved pet. They deny all claims based on pre existing SYMPTOMS!!! Not on specific illnesses. Let’s say your dog has diarrhea from having tapeworms which is common. Then later on develops a gastrointestinal problem such as IBD that claim when submitted would be denied since they view it as pre existing condition when the dog took out the policy.

I've never had this much trouble getting my reimbursement from an insurance claim. Save your self the trouble and get Spot or Best Pet. They operate like actual insurance companies and you don't wait months for reimbursement. Switched and never coming back.

They didn’t cover my claim when my cat's tooth was literally falling out. I have complete coverage and I guess that means they pick what they’ll cover. Their website says you can email to cancel your policy but when you do that they say you have to call. Seems like they just want to make it hard so you can’t cancel.

This company is awful. They don't want to pay claims. They have terrible tactics that they use to deny claims and deny everything as pre existing conditions even something as simple as a urinary tract infection, they refuse to pay saying it was pre existing these acute conditions happen. And they are not pre existing. They never wanted to pay any of my claims. Their customer service is horrible. And they charge exorbitant premiums. I have this coverage for my dog. And they paid absolutely nothing. I would never recommend anybody purchase this insurance. I filed a complaint with a Better Business Bureau on them. And they never even acknowledged it. I check my premiums for an entire year plus and paid none of my dog's claims. If I could give half a star or zero stars, I would.

I had high hopes for this insurance based on reviews and that it was affiliated with the ASPCA. PSYCH! It’s NOT! This is an advertising scheme! When I submitted a recent claim (February 2026) for my 11 month old dog’s illness that was denied, I called and was told that there was a 14 day waiting period due to new insurance (I’ve had and been paying this premium since August of 2025). I asked to speak with another customer service rep to get more clarification who told me something completely different. I then asked to be transferred to a supervisor who spoke over me for the entire conversation and then said, LITERALLY, if I had waited longer to bring my dog in for treatment, my bill may have been covered.