With ASPCA Pet Health Insurance, there is no waiting period for accident coverage. Pets Best has a 3-day waiting period for accidents.

Certain coverages included in ASPCA Pet Health Insurance plans are optional with Pets Best plans, such as coverage for exam fees, take-home prescription medication, alternative therapies, and microchipping.

Example Monthly Cost*
Pets Best
Complete CoverageSM
$10,000 Annual Limit:
Elite Plan:
Pets Best
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 None 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 No
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+