ASPCA Pet Health Insurance vs. Pets Best
Pets Best pet insurance has some conditions concerning how you care for your pet. For instance, your pet won’t be eligible for coverage if you don’t follow their vaccine requirements or stick to your veterinarian’s recommendations for preventive medications. ASCPA Pet Health Insurance plans do not have these kinds of requirements.
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|---|---|---|
| Reimbursement | Choice of 90%, 80% or 70% of covered vet costs |
Choice of 90%, 80% or 70% of covered veterinary costs |
| Type of Deductible | Annual | Annual |
| Unlimited Plan Available | Yes | Yes |
| Illness Waiting Period | 14 Days | 14 Days |
| Accident Waiting Period | 14 Days | 3 Days |
| Preventive Care | Optional add-on, coverage has no waiting period | Optional add-on, coverage has no waiting period |
| Coverage Includes: | ||
| Exam Fees | Yes | Optional add-on |
| Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. | Yes | Yes |
| Prescription Medications | Yes | Optional add-on; medications covered if they appear on approved list |
| Hereditary and Congenital Conditions | Yes | Yes |
| Alternative Therapies | Yes | Optional add-on |
| Behavioral Issues | Yes | Yes |
| Dental Illnesses | Yes | Yes |
| Chronic Conditions | Yes | Yes |
| Specialists | Yes | Yes |
| Stem Cell Treatments | Yes | Optional add-on |
| Prescription Food & Supplements To treat a covered condition (not for general maintenance or weight management) |
Yes | No |
| Microchip | Yes | Optional add-on |
| No Vaccination Requirements for Coverage of Certain Conditions | Yes | No |
| Multiple Pet Discount | 10% for each additional pet | 5% for additional 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. |
None | None |
| All Pets Eligible, Regardless of Health | Yes | No |
| Accident-Only Plan Available for All Pets | Yes | Yes |
| 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+ |
Pets Best Pet Insurance Plan Comparison
There are some significant differences between ASPCA Pet Health Insurance and Pets Best. Keep these in mind as you shop around for the best fit for you and your pet.
Vaccine and Other Requirements
Pets Best insurance plans require you to comply with their vaccine requirements or follow your veterinarian’s recommendations for preventive medications. In addition, according to their policy form, they require that you “act sensibly in caring for and protecting your pet.” This is a broad statement, which doesn’t clearly define what counts as acting sensibly. We believe your pet’s care is best left to you and your veterinarian. Our policy does not have any eligibility requirements regarding how you take care of your pet.
Veterinary Exam Fees
Almost every veterinary bill includes an exam fee, which is the charge for examining your pet to assess their overall health and start the process of diagnosing potential problems. ASPCA Pet Health insurance coverage reimburses you for these exam fees for covered conditions. Pets Best offers this coverage as an optional add-on for certain plans, which means you’ll need to pay more if you’d like exam fees covered.
Prescription Medications
Pets Best offers coverage for prescription medications as an optional add-on. So, like with veterinary exam fees, you’ll need to pay extra if you’d like this coverage. Additionally, Pets Best limits you to a list of covered medications. If your pet needs a medication that is not on this list, it won’t be covered. ASPCA Pet Health Insurance plans cover prescription medications as part of their accident and illness coverage. There’s also no list of covered medications.
Alternative Therapies
Your veterinarian may suggest alternative therapies, such as hydrotherapy, acupuncture, or massage, to help your pet recover from an injury or illness. ASPCA Pet Health Insurance plans will help you manage the costs of these therapies for covered conditions. With Pets Best, you’ll need to purchase this coverage as an optional add-on.
Prescription Food & Supplements
Prescription foods and supplements are becoming more widely used these days to help pets with a variety of health conditions. ASPCA Pet Health Insurance plans have coverage for both as long as they are used to treat a covered condition (not for general maintenance or weight management). Pets Best does not offer this coverage at all.
Microchipping
We understand the important role a microchip can play in returning your pet home as quickly as possible. That’s why we include the implantation of a microchip in our coverage. Pets Best offers coverage for microchipping, but only as an optional add-on.
Multiple Pet Discount
ASPCA Pet Health Insurance offers a 10% multiple pet discount for each pet after your most expensive pet. Pets Best multiple pet discount is only 5%. That might not seem important if you only have one pet right now, but you may want to welcome another pet into your family in the future. In that case, the 10% discount will save you more money.
Comparison information is provided using publicly available information as of 7/1/2019 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.
