Pets Best's plans have annual limits that set a total reimbursement amount for the year. That means that, if a pet is unlucky and gets sick three times in a year, the reimbursements cannot be higher than the total payout limit.

On the other hand, ASPCA Pet Health Insurance plans have an incident limit. The full benefit amount is available for each new sickness or injury, so there's no limit to the number of accidents or illnesses we'll cover each year. Considering many of our customers who file a claim wind up filing three or more in a year,+ this can make a big difference.

View a claim example to see how this works.

Example Monthly Cost*
ASPCA Pet Health Insurance Pets Best
Level 2:
$32.22
Level 1 Plan:
$33.16

* Based on mixed breed dog under age 1 in zip 11215 as of 4/17/14; using reasonably comparable plans, including co-insurance and deductible amounts where available.

ASPCA Pet Health InsurancePets Best
Reimbursement Choice of 90%, 80% or 70% of
usual and customary covered costs
Choice of 100%, 90%, 80% or 70%
of covered veterinary costs
Type of Deductible Annual Annual
Illness Waiting Period 30 Days 14 Days
Accident Waiting Period None 3 Days
Hereditary and Congenital Coverage Available Available
Alternative Therapy Coverage Available. Coverage includes chiropractic care, acupuncture, physical therapy, rehabilitative care, hydrotherapy and low-level laser therapy. Available. Coverage limited to chiropractic care and acupuncture.
Behavioral Coverage Available. Coverage includes consultations, diagnostics and prescriptionsp for any behavioral issue, as long as it's not pre-existing. Available. Coverage includes consultations and prescription medications.
Coverage for Chronic Conditions All levels come with Continuing Care to cover chronic conditions for eligible pets. Included, according to
the terms of the base plan.
Multiple Pet Discount 10% for each additional pet 5% for two to five pets;
2% for six to nine pets
Age Limits for Illness Coverage Enrollment

This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet's plan won't be cancelled because of age.

Dogs: 13
Cats: 15
None
Accident-Only Plan Available for All Pets Yes No
Wellness Coverage Two wellness options: Routine Wellness costs $10 a month for $200 in annual benefits. Advanced Wellness costs $25 a month for $400 in annual benefits. There is no waiting period after the effective date for wellness coverage. One wellness option: BestWellness costs $22 a month for up to $480 in annual benefits for dogs and up to $545 in annual benefits for cats. Wellness coverage has a 14-day waiting period after enrollment.
Money Back Guarantee 30 Days 30 days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. Pets Best was founded in 2005.
Better Business Bureau Rating A+ A+