# ASPCA Pet Health Insurance — user reviews > 91 indexed App Store user reviews of ASPCA Pet Health Insurance by United States Fire Insurance Company, rated 2.10/5 from 24 ratings. - Source: https://appshunter.io/ios/app/aspca-pet-health-insurance/id1264707508/reviews - App overview in markdown: https://appshunter.io/ios/app/aspca-pet-health-insurance/id1264707508.md - Rating breakdown: 5★ 5 · 4★ 1 · 3★ 0 · 2★ 4 · 1★ 14 ## Newest reviews (17 of 91) ### 2/5 — Glitches *2026-02-21, version 2.9.96* It used to be sooo easy to submit a claim on the member site. It has become nearly impossible. I keep getting the "hang tough we're working on it" freeze and I either have to re-enter the information or it won't let me. Entering a claim on the website by email is much more time consuming to start with. I have been happy until now...been with ASPCA for five years. Please fix the member site glitches! ### 2/5 — App/Website Update Sucks *2026-02-18, version 2.9.96* I never used to have a problem with this app or the website, but ever since they did the update that requires a verification code it doesn’t work. The app won’t pop up with a window to input the code and when I try to do it via the website it doesn’t let me hit the submit button after entering the code. ### 2/5 — The app stopped working *2024-08-27, version 2.9* At the time of renewal - which was twice the cost charged in years past - the app stopped working. I attempt to sign in but the screen remains frozen. I’ve deleted the app and reinstalled it. Spent time on the phone, to no avail. ### 2/5 — Insurance is good but the App is awful *2024-03-30, version 2.6* The app experience is broken! It takes you through all the steps to file a new claim and then gets stuck on step 2 - adding why you took your pet to the vet. The next button doesn’t function and the save for later just keeps spinning with a hang tight message. One just can’t submit a claim via the app. ### 2/5 — Nothing works *2024-01-14, version 2.5* Please fix the issue of not being able to load. I have restarted several times and nothing seems to work, it just keeps spinning. Doesn’t matter which link I push within the app it never pulls up in an adequate amount of time. I just went back to it and it is still there spinning, trying to fetch what I am requesting. Love the insurance but hate the app. ### 1/5 — Come on! This app is a joke! *2023-11-19, version 2.5* My toddler could make a more effective app! The pages are blank, it shuts down on you. It’s a ridiculous excuse for an app. Their website is not much better. It’s so frustrating and difficult to put a claim in that next year when my dogs renewal comes up, I will be changing providers! ### 1/5 — Cannot Submit Claim *2023-10-16, version 2.5* I’ve tried this on the website and app, I cannot successfully submit my claim. Seems like a waste of money to have insurance if I can’t even use it to get reimbursed. ### 1/5 — App doesn’t function *2023-08-18, version 2.5* I have spent a lot of time trying to submit both from your site using my desktop and also with your app. 90% of my attempts are fruitless, and my claim does not go through. I was able to get a few things through from my phone, but others done exactly the same way won’t go through. The randomness is extremely frustrating. I called the other day, and obviously I can fill out a form manually, but in this day, that is really sad. I can’t even fill the form out on the computer. It has to be printed out and done manually. Someone needs to attend to your website and app functionality. ### 1/5 — CANNOT SUBMIT A CLAIM *2023-08-01, version 2.4* Same issue for months and months now. When you get to the final step of submitting a claim and click, SUBMIT guess what happens? Nothing. Nothing happens. You cannot process anything on this garbage app. When you call their customer service they have no clue what to do other than submit a complaint. Unbelievably ineffective. Claims to complete have been taking over a month in a half consistently. How!???! This company is a joke and crooked. GO TO OTHER PET INSURANCE COMPANY. THERE ARE MUCH BETTER ONES. ### 1/5 — Not Responsive-Evasive and deceiving policies *2023-07-24, version 2.4* I had insured my dog the first week I got her as a puppy (9weeks old) and never lapsed in coverage with her. The maximum it ever allowed me to insure my healthy dog is 4k yet I see on their website and others that they have higher limits yet I cannot get this. They process claims VERY slow and never entirely answer your questions on if something is actually covered or not. I have complete coverage and pay about 60 a month for a healthy 2 year old dog with not many claims at all and no emergency or expensive care other than her regular veterinarian visits, exams, vaccinations, etc. they recently lowered her policy and I’m livid to say the least and no response from them. I suggest not using ASPCA ### 1/5 — Insurance good, this app is awful *2023-07-22, version 2.4* Update: The app and the desktop version won’t work for me but for some reason if I use safari on my iPhone and go to the website that way, I am able to submit claims. I have tried to submit a claim 4x tonight and it gives you the option to save a draft version. But it’s deleted it. I tried several times to submit the claim and it would process then immediately deleted everything I had previous saved. The website also was not allowing me to process the claim although I was finally able to save it. But I’m disabled and I have a hard enough time with things like this. As much money as they receive in donations they could find a better app developer. ### 1/5 — Insurance good, this app is awful *2023-07-06* I have tried to submit a claim 4x tonight and it gives you the option to save a draft version. But it’s deleted it. I tried several times to submit the claim and it would process then immediately deleted everything I had previous saved. The website also was not allowing me to process the claim although I was finally able to save it. But I’m disabled and I have a hard enough time with things like this. As much money as they receive in donations they could find a better app developer. ### 1/5 — My email account is just gone?! *2023-05-27, version 2.2* I had used ASPCA for 5 years and now after the update of the app. It tells me my email is not registered and I have an account already set up that does not match to the email address I used for the last five years. How ridiculous? The old version of the app works a lot better - now I can't even login to my account with the email address and password I always use (not even on website). This is not what type of services we should get while paying over hundred bucks per month. Going over other reviews, it looks like this is a common issue now - shouldn't the tech team fixed the problem at their end when a lot of people is going through the same problems? ### 1/5 — Unbelievable that this is even in the store *2023-05-11, version 2.2* I’m seeing reviews from months ago with the same issue I am having now. All websites and apps have hiccups but months of not being able to perform dental functions is inexcusable. I cannot submit a claim via web or app. I go through the entire process only to hit a wall when I click submit. It just stays stuck on the page and greys out the button but does not actually submit the claim. Any attempts at saving the claim to try and submit later results in pivotal information being erased from the claim. This is extremely frustrating. The entire business is about claims and your online claims portals are unusable. I have used ASPCA for years now and this is really disappointing and will have me looking for another pet insurance company. I don’t want to waste time on the phone submitting a claim I could have done in less than 5 minutes on a functioning website. ### 1/5 — App login is broken *2023-05-02, version 2.2* Looks like url is trying to hit local host rather than prod url 😂 please take a look ### 1/5 — Great insurance, bad app design *2023-04-29, version 2.2* The app does not do the Insurance justice. I’ve been trying for three days now to put a claim in and when I get to the final step, all I get is a window that thinks and never ends. The way that this issue hasn’t been fixed yet is insane to me. I have a really high bill and I pay a lot of money for my insurance to WORK and here we are, not being able to put a claim in. No excuses for this. ### 1/5 — Trash app *2023-04-21, version 2.1* Doesn’t work. Waste of time and beyond frustrating. Can’t help but to wonder if that’s by design. Anything to slow down the process to keep you from getting reimbursed. Don’t waste precious time or space on your smartphone - just email them. ## Most critical reviews (10 lowest-rated) ### 1/5 — Will charge you even if you don’t want the service anymore !! *2026-03-17, version 2.9.96* They stopped charging me in 2025 as the service sucks. You have to have it for 3-6 months prior to being able to make a claim which renders the insurance useless. Every time my pet has had an emergency they were unwilling to assist in payment so I stopped paying. No option to close the service and if you attempt to call their customer service line it won’t connect you to anything. In 2026 they picked up charging me again but charged me twice in one month for 127 dollars even though I had only been paying 60 something, I made a claim against it and they went ahead and charged me another 65 dollars. Do not choose this place! They don’t care about your pets! They just care about money!! ### 1/5 — DO NOT USE THIS INSURANCE *2026-02-17, version 2.9.96* This is the worst insurance ever!! This people does not explain you their real coverage or when it actually starts. If you do a claim before 15 days, they will not cover your pet at that time, and they will not do it ever in their life. Because it is in the “record” that you pet had it before the 15 days period. Before you do anything, it is better to call as you will cancel the coverage and they will tell you all the real policies. I DO NOT RECOMMEND THIS INSURANCE ! ### 1/5 — Horrible service and they just steal your money *2025-10-27, version 2.9.92* I would give them zero stars 🤮🤮🤮 Horrible service and they just steal your money. They're good at collecting monthly payments, but when I requested reimbursement for services generated due to an emergency with my cat, I never received the reimbursement. I still wasted my time because they asked me for receipts and medical reports over and over again via email, and I got tired. It's better to cancel your insurance. I don't recommend it. ### 1/5 — Update needed *2025-08-19, version 2.9.92* This app is absolute trash! I can’t log in on the app Itself however I can log in if I Google it. Get it together! ### 1/5 — Waste of money *2025-03-22, version 2.9.7* I wish I had anything good to say about ASPCA considering I pay $150 a month for it. They will do anything BUT help you. There has been numerous times I have tried to reach out. They either don't reimburse with claims or they do as little as they can. And believe me, I have spent hours studying my plan and they still under reimburse me AND oh god if you want to appeal the claim… good luck. It takes 60-90 business days. find somewhere else!! And if aspca sees this contact me. ### 1/5 — Can’t even log in. *2025-03-16, version 2.9.7* Purchased the insurance through the website. Went to the app to log in, and it said I had to register my account. Go through that process, click submit, and it tells me my account is already registered. Back and forth back and forth. I’m in my account USING MY EMAIL on the website, yet the app is now telling me my email isn’t even tied to an account. Horrible app development and methods. ### 1/5 — Terrible app *2025-03-10, version 2.9.7* Won’t let me submit photos from my phone and deletes saved claims ### 1/5 — System is broke *2024-08-27, version 2.9* I had the same issue the last person posted. You get to page 2 and can’t go any further. This has been occurring for months. I haven’t been able to submit 3 claims. When I called the number I was told to delete app and upload again and that did not work either. This is bad! ### 1/5 — I can’t login *2024-07-18, version 2.9* The app used to work alright but now I can’t login. I even changed my password just in case that was the issue but it seems the login button just doesn’t do anything when pressed. ### 1/5 — Bugs *2024-07-07, version 2.9* Seems like the app has some bugs. I am able to start a claim and once I answer the promoted questions it doesn’t allow me to move on from the first step. So the app essentially doesn’t allow me to do what it is meant to do. Customer support information is not easy to find nor is the claim form that they say is an alternate way to submit a claim. I can’t speak to if they pay out on claims or not. ## Most praised reviews (10 highest-rated) ### 5/5 — The best!! *2025-06-09, version 2.9.9* I’ve used ASPCA insurance for all of my pets for about 5+ years and have had nothing but a good experience!! if it was not for them my pets would not have made it through a lot of illnesses. Thank you ASPCA for all that you do!! ### 5/5 — Thankful for the payout (on $2477), decent app too. *2024-06-16, version 2.9* The app doesn’t ~do~ much, but it shows me the info I want. My account, pets, payment history, the basics. As for the service, I unfortunately had to use aspca on April 1, 2024. My cat went to the cosmos. For my dog and my cat, the total monthly bill was less than $70, with a $250 deductible, 80% reimbursement, and $5000 limit for each. I signed up November 2023, begrudgingly, because it’s a continual payment for effectively nothing in return while my pets are healthy. But when my cat got sick way faster than I could keep up with, and vets couldn’t keep him alive, aspca did come through. It took a month or two of staying on top of them, and having my cat’s medical records available. But as long as there’s no pre-existing medical history on the cause of his death, which there wasn’t, aspca paid out. The emergency vet’s cost for their efforts and management of the body, was $2477. ASPCA paid me just more than $1900, even after just five months. I paid aspca no more than $350 so far, and they gave me $1900+. That’s such a major help in my current living situation. I’d be stuck with that bill for YEARS if not for aspca (and a shoutout to CareCredit). I’m gonna say “thank you for the financial aid” in the form of this app review, and by paying them $45ish/mo for my dog until he crosses the rainbow bridge. It stings to start pet insurance if you’re not middle-class or up, but you need to start it. Add seaweed to your ramen, and keep your furry angels well. ### 5/5 — Amazing coverage *2020-05-14, version 1.6.3* My dog is sensitive to environmental allergies and unfortunately very allergic ti bee stings. Each time this insurance has come through for us. Not to mention the customer service department’s willingness to help and answer all my questions is above and beyond . The app is super user friendly and not complicated at all. Absolutely recommend this insurance and this app! ### 5/5 — Long time member *2020-04-12, version 1.6.3* I didn’t read other reviews because I have had all of my pets insured with ASPCA. If you want the best you might pay a little more. I put a claim in and usually it’s in my account in 7 days, and the yearly wellness check up is covered. I owe them a huge thank you. In 2015 my best friend who was with me 10yrs died suddenly in my arms, my sister died only 3 months before. I called ASPCA to find out how he was covered I loved him so much I didn’t want to just throw him in the ground. Long story short they took care of everything and paid for almost all of his cremation, and his little urn was free. After I didn’t know they have free of charge Grief Counselors who helped me deal with my loss and they called daily until I felt I didn’t need them any more. So just that was worth every penny they really care. Brenda ### 5/5 — So far so good *2019-12-04, version 1.6.2* This pet insurance has been a good value for the coverage of insurance. So far I have not had to use this app for any reason other than checking and reviewing my policy. I see a lot of negative reviews about this app. Hopefully if there are problems with this app it will be resolved before I actually have to submit any claims, otherwise I will have to change insurance companies if this app is substandard. ### 5/5 — Works Great *2019-04-15, version 1.0.5* I love it works great and I love the pet insurance That its offers ### 5/5 — So far so good *2017-10-17, version 1.0.2* Very similar to their website. I have now made payments and claims via the app with no issues. Its been easy to use, quick and painless which is all you can really hope for with an insurance app. On a side note- ASPCA pet insurance has saved my financial well being on more than one occasion when my pets have gotten sick. My one dog had a $3000+ hospital stay and I got right around $2600 back (after deductibles and such) it was the difference between having to put him down and saving his life. It also meant I didn't lose everything I had in savings which would have been a serious hit to my finances. ### 4/5 — Thankful for the payout (on $2477), decent app too. *2026-04-19, version 2.9.97* Edit: the price goes up unannounced. I’m now paying around $80 for just my dog. Still it’s peace of mind, but I don’t like unannounced and no-reason price hikes. The app doesn’t ~do~ much, but it shows me the info I want. My account, pets, payment history, the basics. As for the service, I unfortunately had to use aspca on April 1, 2024. My cat went to the cosmos. For my dog and my cat, the total monthly bill was less than $70, with a $250 deductible, 80% reimbursement, and $5000 limit for each. I signed up November 2023, begrudgingly, because it’s a continual payment for effectively nothing in return while my pets are healthy. But when my cat got sick way faster than I could keep up with, and vets couldn’t keep him alive, aspca did come through. It took a month or two of staying on top of them, and having my cat’s medical records available. But as long as there’s no pre-existing medical history on the cause of his death, which there wasn’t, aspca paid out. The emergency vet’s cost for their efforts and management of the body, was $2477. ASPCA paid me just more than $1900, even after just five months. I paid aspca no more than $350 so far, and they gave me $1900+. That’s such a major help in my current living situation. I’d be stuck with that bill for YEARS if not for aspca (and a shoutout to CareCredit). I’m gonna say “thank you for the financial aid” in the form of this app review, and by paying them $45ish/mo for my dog until he crosses the rainbow bridge. It stings to start pet insurance if you’re not middle-class or up, but you need to start it. Add seaweed to your ramen, and keep your furry angels well. ### 4/5 — New update, appears to be great… However *2023-01-31, version 2.0* Had a hard time logging in, so I had to reset my password and it worked great. Note to developers: need to correct this! otherwise much more efficient quicker and allows you to download PDFs. Hooray.!!! ### 4/5 — Works Well But a Few Suggestions *2021-02-03, version 1.7.5* Overall the functionality works for what I need. It would be great if the developer added landscape mode for iPad and also added support to upload files like PDF’s (and not just photos) with most invoices going electronic since COVID-19. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-05.*