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. ASPCA Pet Health Insurance plans do not have these kinds of requirements.

ASPCA® Pet Health Insurance Pets Best Pet Health Insurance
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
Upper 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 plans 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.” 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.


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 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.

*We offer a 30-day money back guarantee if no claims are filed. Not available in NY.

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 or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.