They are horrible. I have sent in multiple review requests and tried to email for explanations. I have had the vet send in information, but they have not responded to any of the emails. They have been happy to take my money for absolutely nothing and IGNORE ME.

They nickel and dime every single claim that is sent in. They do not reimburse 90% of the bill. They decide how much is allowable for your area then they give you that amount back. So don't expect to get back the 90% they say you get back. They will raise your premium every other year but when it comes down to paying out you need to jump through hoops. I used to recommend this company but not anymore.

The responses I have gotten.. I added a pet months ago, paid for the year, did so thru the app but he is not there. I used a different email, shouldn’t be a problem, it is, I’ve called numerous times emailed numerous times only to be told it will be taken care of immediately and available in a few days, they would be in the same account….. STILL NOT ON THE SAME ACCOUNT! How difficult is it? I verified all my information and I’m so over this insurance. I can’t submit claims due to this. Look elsewhere.

I always have a very positive experience with this company.

My dog, recently got hit by a car. I submitted the correct paperwork, the emergency vet contact information. Called the emergency vet and the vet place also stated they submitted the paperwork twice and ASPCA is still stating they are going to deny my claim if the correct paperwork isn’t submitted. Nothing more we can do. Don’t go with this pet insurance place. Not acceptable experience.

Don’t bother. They didn’t cover anything at all. Appealed it and only got a letter saying it wasn’t covered - including the general exam. Save your money for the vet bill instead of paying this no good insurance.

The worst experience ever.

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

I recently signed up with ASPCA Pet Insurance, and I can honestly say the experience has exceeded my expectations. From the very start, their customer service has been exceptional — every representative I’ve spoken with has been kind, knowledgeable, and well-trained, making me feel supported and valued as a customer.

I have submitted my first claim and I’ve had nothing but problems. I keep getting messages that the medical records need submitted and after multiple submissions from both myself and my vets, in addition to multiple calls with no resolution, I feel I need to submit this review to warn others.