ASPCA Pet Health Insurance vs. Pets Best
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* | |
 |
 |
| Complete CoverageSM $10,000 Annual Limit: $42.54 |
Elite Plan: $37.63 |
 |
|
|
|---|---|---|
| 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+ |
