ASPCA | Pet Insurance Review

I’ve been a customer of ASPCA Pet Insurance (administered by PTZ, underwritten by Independence American Insurance Co.) for several years through an employee discount. I filed my first major claim this July after my dog became seriously ill. Less than 24 hours later, I received a vague email saying I should “review my renewal plan.” After digging through menus in the Member Center, I discovered my annual premium was being increased from $776 to $1,156 — a 49% increase. ASPCA’s policy and marketing materials explicitly state: “Your rate will never change because of your pet’s claim history no matter how many claims you submit.” Yet this massive increase was communicated THE DAY AFTER I filed a $1,500 claim. When I reached out for an explanation, I received a canned response: the increase was not due to my claim, but due to how “pet parents overall" are spending more. "When pet parents spend more than we expect, we have to increase our rates to help us balance the cost." No breakdown, no actuarial justification, no transparency. For reference:     •    Industry average annual premium increase is 12–15%, according to NAPHIA.     •    ASPCA’s new premium puts me 70% above the national average for dog insurance.     •    No change in coverage, deductible, reimbursement, or plan structure. This isn’t just bad service—this is reputational arbitrage. The ASPCA licenses its name to a for-profit insurer, collects a royalty, and lets the insurer quietly exploit the goodwill of the ASPCA brand to gouge customers. It's disgusting. It's especially frustrating because they did not address the substance of my complaint (including the figures I provided) or answer a single question I asked, but then ended their email by saying "our goal is to always provide meaningful support to pet families, and do it in a way that's fair, transparent, and sustainable." I'm not sure how a 49% YoY increase, while refusing to provide an explanation, aligns with that claim. This experience has completely shattered my trust in the ASPCA and I will never donate to them again. I’m filing complaints with the Texas Department of Insurance and have already contacted ASPCA directly. Until they take ownership of these practices, I’d strongly caution any pet owner from trusting this program.

Rates keep going up and when you file a claim there is no response. No reimbursment, only excuses. That is why I rather just save the money for when I need to take my boy to the vet.

Do not trust them or believe their BS advertising. They have denied my last two claims. 1) they deny the entire claim because they said my dog's ear infection was pre-existing even though they looked at his ear but didn't do anything and didn't diagnose it until after I had coverage AND it was only part of the visit. But because he was even part of the visit they denied the entire claim. 2) Now they've denied a wellness check and a 6-month vaccination which states on the first page of the app reminding you to get wellness checks and that it's covered as well as vaccinations. No explanation why they denied it. Just denied. I am appealing it but most likely won't be covered. I paid in full and will absolutely not stay with them at the end of my term.

I am giving the lowest star possible because after reading the reviews I have decided this is not a good pet insurance company who nickle and dimes you to death and won't keep their end of the bargain. I will find something more trustworthy than this one for sure. Thank you everyone for your reviews and alarming other consumers such as myself.

It s simply a scam. I been paying ASPCA many years for my doberman as a preventive measure for when my dog gets old and need veterinary care and what happened is that when she turned 11 the monthly payment was raised to 292.53 dollars and when she turned 12 years the monthly payment was raised to 469,86 dollars. I started years before for less than 80 dollars. I been forced to cancel the insurance before she passed away because the total amount covered was less than the cost of the year. If you are thinking to take the insurance for use it when you will need it most think it twice.