ASPCA Pet Health Insurance Reviews

I would not recommend this. I filed a claim after my dog had an ear infection. The total vet bill was well over $1000 for the medication he needed as well as the service received. ASPCA denied my pets claim Stating a pre-existing condition of an allergy. My dog was seen last year for anxiety in which he was licking his paws. They seem to think anxiety is an allergy and flat out denied his claim. I try speaking with their customer service and a few occasions. I keep getting customer service from overseas. Billy, a friendly man from India was a nice guy however, I could hardly understand anything he was saying. As far as trying to elevate this claim to an English speaking American, it was next to impossible.

Seems all the pet insurance companies need to truly align with the costs that are being charged by vets. For example, bloodwork prior to dental cleaning at a cost of $170 and reimbursement was $35. Cost for dental cleaning $1400, reimbursement will probably be $150. I want to know where I can get dental cleaning for $150. Really useful mainly for emergencies.

I submitted a claim for a diagnostic cancer screening for my pet, that supposedly had full coverage under ASPCA. The claim to cover the cost of the CT scan was denied. This was the first claim I had submitted in 7 years of having a healthy dog. I called and was told this was a pre-existing condition, even though the cancer test was negative! This insurance company is another scam artist, looking to charge pet owners and then deny claims. Do not use! I will post this review on every channel available to me.

Do not recommend this insurance. I pay about $80 for the premium coverage per month. Submitted a claim more than a month ago with no pay out. Very difficult to submit claims. Have submitted all my documents at least twice and they keep getting rejected because they want more. I even called and the lady on the phone said she had all the documents and would open the claim again. I have given all I had. Still no pay out. After all this frustration I gave up and emailed to cancel the claim and they cancelled my entire coverage plan! Do not recommend! Submitting claims is a headache, staff is not helpful, and claims take forever to be processed. Better off just using that money to pay the vet bill.

I am writing to express my deep frustration and disappointment with how my recent insurance claims are being handled. The current reimbursement process is completely unacceptable and is causing me significant financial distress. Specifically, one of my claims was completely denied with zero dollars reimbursed. For the other claim, I received far less than the 90% reimbursement I was supposed to get back. Furthermore, when I called to ask why these claims are taking so long to process, I did not receive a satisfactory answer. It is incredibly difficult to manage the struggle of paying bills when expected reimbursements are delayed or drastically reduced without proper justification.

I do not recommend ASPCA Pet Insurance due to the constant increase in the monthly cost. We started with ASPCA when our boxer was 5 months. He is 7 years old now and somehow the cost skyrocketed to $242 a month for Annual Limit: $5,000.00, Deductible: $250.00 and Reimbursement Percentage: 80%. Stay away from it.

Had to put the horse down, which is covered under the insurance; these people will not pay for the vet. They keep asking for medical records, blood work, and vet records. She was put down; what blood work, what medical records? They keep just wanting more and more; all you want is to forget what happened moved on. It's like their way of screwing you so they don't have to pay. Their vet and underwriting staff will do or say anything to keep you from getting money back.

I have been with ASPCA for years. They have gone up every year and every time I have a claim there is a problem. I have to send medical records over and over and still have two claims pending. I have called over and over. I don’t think they know what the other one is doing, beginning to think it not worth it. You have to pay your bill upfront at the vet anyway then it’s a hassle to get reimbursed.

I haven't had a single claim get covered. Simple as that. All are perfectly reasonable requirements for illness coverage. Will accept claims in an order to make sure you dont benefit from insurance. Will loophole any illness so they don't have to cover it.

Submitted a claim for a sprain my dog suffered while playing frisbee. They said it was an illness and would not be covered under my accident insurance. Called the help center and no one would give a clear answer why it was denied. Pretty frustrating.

This is a terrible company to have pet insurance through. I was paying monthly premiums to insure both of my dogs because I expected the coverage to help with routine checkups, dental cleanings, and emergency visits. Unfortunately, I found out the hard way that very little was actually covered until the deductible was met. After paying well over $1,500 out of pocket for dental cleanings for both dogs, I was reimbursed only $100.

I wouldn’t recommend ASPCA pet insurance. If you have multiple pets and you end up splitting up with your spouse (where both of us listed as co owners under the policy) and we each take a pet that were under the same policy, ASPCA doesn’t allow you to transfer the policy of one of the animals to whoever took the pet. They said you can only keep same coverage (which covers any preexisting injuries/ailments) if all pets remain under same policy together. So if you want all the pets to be covered for anything preexisting then one person will have to keep the policy and pay for all pets as the prices go up astronomically as your best friends get older. It makes no sense, we are both co owners, if one dog goes with one party then transfer that dog’s coverage to that person, so dumb. They just want the policy to become a new policy so they don’t have to cover anything preexisting.

Purchase this insurance for my new puppy expecting at least part of the invoices to be covered. We paid in full for the year and got the most expensive plan. Even that was not good enough, they have their own way of giving you back their 90%. After paying out almost 2500 in pet appointments I only got 250 back. And talking to customer service well they were non responsive. Do not purchase if you are expecting 90% coverage.

Stay away from ASPCA Pet Insurance, you will end up paying $97 USD a month for a long time and 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!

Updated on 07/11/2026: New update. We are on day 14 now. They are now telling me it may take 30-60 days. My pet is already dead. And I am still waiting for them to pay a claim from two months ago. They say they give condolences, yes thank you for the condolences and I am so thankful you are now going to drag this out for 60 days. Count them SIXTY DAYS. An additional 45 days after he is dead! I am just at a loss for words.

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.

I’ve had this insurance for over 15 years for two family pets. I don’t remember being totally gouged by ASPCA with the first pet but their customer service was horrible, the online site never worked and they basically just denied everything and took several weeks to even process the claims. I only have one pet now a 9+ yo female Newfoundland who has never been sick until last year. I had only ever submitted claims for small things like ear infections and prescription meds and I pad $400/qtr for a policy that covered everything but preventative. Two years ago they all of a sudden raised the premiums by 50% to $700/qtr which I thought was ridiculous since she still had never been sick.

The day after purchasing my Maltese, Apollo, I got full coverage insurance for him. Chose ASPCA because of the humanitarian work the organization does for suffering animals. Never filed a claim for three years. But when my baby got kennel cough it cost $971.00 to get him well. I filed a claim, ASPCA reimbursed me $62.00. Paid a total of $1,500.00 in premiums. I could have opened a separate account and deposited $40.00 a month, paid medical expenses from that account and came out ahead. Canceled policy.

This insurance SUCKS!! Paid for it well over 2 years because my dog had a torn leg ligament which we paid for out of pocket (hence that’s why we got the insurance in the first place). A couple or few years go by and it happened to his other leg. They said they won’t cover because it’s a preexisting condition. What???? It’s on another leg smh. If you have this crappy insurance I suggest you get in writing what they will cover and what they won’t. We won’t be using them anymore.

I would not recommend this insurance. I have my dog covered through them and he got a hematoma on his ear. If you’re unfamiliar with these, they’re essentially a large blood blister that could be caused by anything like hitting the ear, playing too hard, shaking his head, etc. I submitted a claim for the surgery that he had to have and they denied it for being a pre existing condition. When I called they said they were told he has allergies in October of 2022 and that’s considered incurable and that moving forward, anything that happens on his skin won’t be covered. Which means that even if he gets an injury (like this hematoma) they wouldn't cover it. What is the point of an accident policy if they won’t cover anything skin related? Most accidents involve wounds. It seems like they’ll find any reason to deny a claim.

We've been insured with ASPCA for 5 years, used it once for reimbursement of $289.00. My rate has went up 113%, that's not caring for animals that's pure GREED! I had to cancel and find a more reasonable rate with less Greed involved. ASPCA insurance is not associated the rescue association, just another disgusting insurance agency.

First, dates were wrong, 2nd previous history of issue had nothing to do with current issue of ankle fracture. Just because it was leg issues in past doesn’t mean fractured ankle. I never got a denial letter for the correct date of denial. And when I stated ankle fracture is not same as bladder spasms. I even asked for a letter explaining why they denied they said for me to look at “exclusions and/or explanation of benefits”. That’s their answer. Don’t buy this insurance. They will find every possible excuse to not reimburse you. And it’s not cheap! I cancelled right away. Not worth the hassle and excuses. Terrible service!

SCAM! Had this insurance for almost a year. Cat needed surgery. Sent in information regarding surgery and got an email saying " We're on it". Three weeks later get another email saying they need info from very within 72 hours or claim will not be valid. 48 hours later get email denying claim although very had sent in needed information.

Filed a claim for two infections. It was denied as 'pre-existing'. They claimed it 'could be' due to allergies. They did not give a reason for the skin infection other than 'might be due to allergies'. The ear infection was considered 'pre-existing' since the medication given was the same as a previous medication, even though though my dog has never had this infection before, ever. My vet said he was as close to 100% certain these are due to environmental issues, rather than allergies, but the claim was still denied. Filing a BBB claim today.

My dog suffered for many years and it was costing me a fortune. I decided to finally get pet insurance with ASPCA, and I've been with them for about 3 years. In the beginning, ASPCA was a real pain in the arse, they wanted documents of ALL of his medical records, problem was that he had been to 3 different veterinary doctors, and this took some work. ASPCA kept denying claims based on pre-existing conditions, and admittedly, they were pre-existing; they're not stupid, but as time went on, my dog developed more health problems, and I would pay the bill out of pocket, then submit a claim. It would take about a week, but they would pay as much as 75%.

Had coverage with them for 2 years, my dog had her first seizure a year into coverage, they covered the first visit for that ($180), she then had 2 more seizures 8 months later and those vet bills were significantly higher and they decided to deny coverage and illegally claim it as a pre-existing condition, despite covering the condition when the vet bill was only $180 eight months prior. Scam company, happy to collect your money when your pet is healthy, but will drop you as soon as you need their assistance.

Would not honor my preventive care claim. Took my dog in for a physical exam, vaccine and flea medication. They refused to pay the physical exam benefit, even though the medical records show that the exam was performed. Cancelled for being dishonest and shady. Goodbye

The fast advice was great. My dog doing well. I would recommend others to call and get advice from the vet. in an emergency. They were very kind and knowledgeable.. and acted quickly. Hope they continue their work.

I should have done more research before getting a policy with ASPCA. My experience with this company so far has been frustrating and a big let down. First off, the application process wasn't a breeze. They requested 2 years prior medical records. I found out later they use those records to nickel and dime customer claims. For example, my dog has a history of elevated liver enzymes which is a pre-existing condition. However, if my dog developed any new critical liver illnesses including hepatitis or cancer during the policy period it would not be covered even if it was a life and death emergency situation based on that pre-existing condition.

I signed up after reading reviews, comparing coverage and costs and covered reimbursement. Decided on ASPCA for both dogs. My littlest one developed a cough. He underwent xrays and echocardiogram after a murmur was heard and pray showed enlarged heart. The echo confirmed the vet's suspicion of mitral valve disease. This was 4 months ago and my dog takes 4 medications a day, twice a day. More if he develops infection.

ASPCA is a terrible pet insurance company. My pet was injured in an accident and both of her back legs stopped working. I had the accident insurance and they claimed that even though the injury was caused by an accident, it was not covered because she is a french bulldog. I went through multiple rounds of calls with them and they did not budge. Ended up cancelling with them. DO NOT RECOMMEND.

You deserve zero stars. Rachel **, badge number ** just said “come here”, rushed through explaining everything and basically forced me to donate. On further research, my donation barely helps any animals and instead goes towards someone’s salary. Ruined my day. You should be ashamed of yourselves. Try, “do you have a moment?” Next time instead of tricking someone into giving you their time.