A Pet Parent Asks:
After I submit a claim, how soon can I expect my reimbursement?

ASPCA Pet Health Insurance Answers:
Claims are processed within 30 days of us receiving all information necessary to evaluate the claim.

While we make every effort to process claims as quickly as possible, claim turnaround times can fluctuate based on the number of claims we receive. We review every claim carefully, and we may require additional information, such as medical records. 

You can track the status of your claims easily online at our free Member Center. Click here to get started!


Pet Parent Q&A is a regular column that answers customer questions in an effort to educate others. This is not a forum to receive responses to specific inquiries. Please call Customer Service at 1-866-204-6764 or email cservice@aspcapetinsurance.com for immediate assistance.

Pet Insurance Blog - Pet Photo Friday

“I just bought ASPCA Pet Health Insurance and have received prompt results on both of my claims. You have a satisfied customer!”

—Submitted by: An ASPCA Pet Health Insurance Pet Parent*

Photo Friday is a weekly column that showcases photos we receive from loving ASPCA Pet Health Insurance customers of their pets. If you want to see your pet featured, please email me!

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Customer Stories

Dog Insurance Blog - The Physics Behind a Dog’s Shake Can Better Dry Clothes

Did you know that the physics behind dogs shedding water off their bodies may be able to improve our household appliances?

According to a recent article on MSNBC, a group of researchers are in the initial stages of studying the “dog shaking” model with the hopes of applying the same principles to drying clothes.

The experts used a combination of high-speed videography and X-ray cinematography to capture what actually happens to the animal’s body when shaking.

They found that the shake actually starts at the animal’s head, then travels down the body to the tip of the tail with a wave of energy. While the body can shake at the same frequency as the skin, it cannot rotate as much. So the skin actually twists around the body at a faster speed in order to shed the water off.

For animals in the wild, shaking dry is critical to survival by maintaining proper body temperature. Our pets, however, simply do it instinctively.

I’ve certainly had some clean clothes ruined by a shaking dog over the years, so I’ll take these findings as dogs making it up to us!

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Pet Health Insurance Headlines

Cat Pet Photo

While my cat Millie is anything but graceful when she’s chasing her toys around the house, she’s extremely dainty when drinking water. According to a recent story in the New York Times, there’s actually a science behind how she does it.

Unlike humans, dogs and cats are not able to create suction with their mouths and instead have to use their tongues to drink. When dogs drink water, they slurp it up by cupping the liquid on the back of their tongue. Cats, on the other hand, have to use the tip of their tongue to get the water in their mouths. 

Without diving too far into the technical specifics, a feline’s drinking method is based on an instinctive ability to identify the point at which gravity is about to overcome inertia.

What this means: When a cat’s tongue darts into water, the tip curves downward and then back upward at high speed, bringing a trail of water behind it. Then, as gravity is about to kick in and pull the water back down, the cat’s jaw shuts, capturing the water.

As felines lap at four times a second—too fast for human eyes to see—the four engineers who worked on this study videotaped cats drinking and then slowed it down to study the process.

When the research began, the engineers believed that the hairs on a cat’s tongue that are used for grooming helped the animal drink. However, it turns out that the tip of a cat’s tongue is actually smooth, so the hairs play no part in lapping up liquid.

Mystery solved!

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Pet Health Insurance Headlines

Insurance brokers are gravitating toward pet insurance as a way to round out their product portfolios to fit their clients’ needs. And for employers, pet insurance is a morale-boosting and progressive benefit—one that is extremely attractive as a voluntary program with no cost and easy implementation.

“The Perks of Pet Insurance,” an article in the November issue of Employee Benefit Advisor magazine, outlines why pet insurance is experiencing a spike in interest among brokers and employers.

Hartville Group’s JoAnne Novak, VP of New Business Development / Employee Benefits and Robert Hall, VP, Business Development, pointed to Hartville’s unique programs for employers and brokers in the article.

Read the full article here

For more information about our Corporate Employee Benefits program:

For more information about our Broker program:

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Hartville Group News & Info

My little girls are the happiest, most playful cats that put a smile on my face every day. I am grateful for the reimbursements I get from ASPCA Pet Health Insurance!

—Submitted by: An ASPCA Pet Health Insurance Pet Parent* 

Photo Friday is a weekly column that showcases photos we receive from loving ASPCA Pet Health Insurance customers of their pets. If you want to see your pet featured, please email me!

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Customer Stories

Often when we think about preventing animal cruelty, we imagine animals across the country in ghastly situations. But we recently received a claim where another’s cruelty sadly hit close to home for one of our customers.

Not long after the Miller family* bought coverage for their cat, Bingo, they noticed that his leg was injured. Initially, they suspected that the wound was a result of an animal fight, as Bingo spends some of his time outdoors. But, after close examination and a series of X-rays at their vet, it turns out that he had been shot with a pellet gun, evident from the remaining bullet fragments in his leg. Bingo required same-day emergency surgery to repair his femur, which was smashed into two pieces.

Extensive recovery followed, which equated to mounting vet bills—$1,500 to be exact.

“Even though our cat’s welfare was most important, in the back of our minds, the money was still obviously a major concern,” the Millers told us. “…We really appreciated not only ASPCA Pet Health Insurance’s prompt action on this terrible matter but also their professional manner all around. We love him and are so glad that our decision to do everything possible to make him well again was supported due to our coverage!”

The Millers ended up receiving more than $1,100 in return for their claim. And Bingo is back at his window perch, monitoring the backyard.

Have a story to share? Email me!

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Customer Stories


As we’re dedicated to making a difference for pets, we want to keep you informed about pet health topics and your ASPCA Pet Health Insurance plan. Our blog will provide you with fresh, interesting and informative topics—from pet health tips and customer stories, to the latest industry news and a Pet Parent Q&A column. Most of all, we encourage you to share comments and join the discussion!

Meet the Author

Julia H.

Social Media Coordinator

Pet Parent to:

Lucy, an 8-year-old rescued Golden Retriever/Chow Chow mix

Blog Guidelines

While we’ll strive to present all viewpoints on this blog, comments will be reviewed before posting. Offensive or inappropriate language, off-topic remarks and comments containing personal policy information will not be featured.

Also, conditions discussed in this blog aren’t necessarily covered by every ASPCA Pet Health Insurance plan. For full coverage terms, conditions and exclusions, please refer to your plan.

As always, if you have a question about your plan, call us at 1-866-204-6764.

*Note: While these testimonials may include examples of recent claims payouts, reimbursement is subject to the terms and conditions of your plan. Identifying information has been changed.