I filed a total of 14 claims, but they only paid out on a couple of them and only a small amount—$25 out of a $476 claim. I've been with them for two years and recently decided to cancel my policy. I pay over $125 monthly, but I've had no approved claims during this time. This is the worst pet health insurance; I wouldn’t recommend it because they don’t make any payouts!

So very disappointed with processing claims , the amount of reimbursement and overall lack of being clear .

I am a newer customer. After reading reviews and comparing plans, we went with the ASPCA plan. We just filed our first claim.

This insurance company is truly a scam when it comes to paying out. If it’s routine there’s not a problem. However don’t waste your time, energy, or money on any other plans. They will lie about contacting the vet office, lie about attaching files, lie about calling you back, and lie about what they need. I have been fighting this company for almost two months for insurance I pay for. If I’d just put everything I pay for this in an account I’d have had better luck. The last contact was being promised by a supervisor that multiple people would be written up for lying to a customer and not doing their jobs only to once again have the supervisor lie to us and again not reopen a claim that they had all the information on in the first place. Don’t waste your money. I’ve already sent in complaints to the better business bureau. It’s disappointing that they offer to help and just leave you in a worse spot with more stress when you animal has injuries .

This company does everything in its toolbox to not pay claims. Even when your dog is sick. RUN RUN RUN away. I wish I had chosen another company. What a waste.

I am leaving aspca insurance in March when my policy ends. They raised the price to $88 and they only give a small portion back for preventive treatment and dont add it to the deductible. I spent $1000 for spaying and a tooth removal and got $175 back and gave me 499.30 for my deductible! Couldn't even give me the $500 to meet my deductible. I took my dog back for her second distemper shot and I spent $50 and they denied it. Unless its not preventive care it will not go to the deductible. Im going to join AKC health insurance. Maybe sooner than later. Its easy to put in a claim but im just done giving $88 a month way and only get a Little bit back. Its not worth it! Waste of money.

ASPCA Pet Insurance has been a complete disappointment. They 𝓭𝓮𝓵𝓪𝔂 processing documentation while simultaneously rushing to deny claims - they denied multiple separate claims, claiming they "couldn't obtain documentation" despite my uploading all requested documents the day before the denials were issued.

This comp[any has been borderline dishonest trying to block my very legitimate claim. Demanding Medical records for the last 2 years when thy only said the waiting period was seveeral weeks for new claims. I submitted the records which show this is a new claim and they send me emails denying they received them which is a lie they arejust trying to get out of paying a legitimate claim. allan M. Shanberg MD

I submitted a claim in 2024 for my pet’s allergies. I then submitted a claim in 2025 for a visit to the vet for an ear issue. At the same visit, we asked for a new prescription for his allergies. The claim was denied because they state that the ear issues related to his allergies, which is false. I will be dropping the insurance since I’m paying a lot of money every year for claims to be denied.

I cannot even get into my account. It says I have to register and so I try to register. Then it tells me I’m already registered and to sign in so I sign in. Well none of my passwords are working so I clicked forget password. Then it tells me I’m not registered. It’s a pain.