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ASPCA vs. Petplan Pet Insurance

ASPCA and Petplan are two of the best pet insurance companies in America. This chart compares them side-by-side.

ASPCA Pet Insurance
Petplan Pet Insurance
Average Price
$25 - 54/mo.
$28 - 57/mo.
A.M. Best Rating A A
BBB Rating A+ A+
Customer Satisfaction NA 88%
Total Reviews NA 5,484 reviews
Deductible $100 - 500
$100 - 1,000
Reimbursement 70 - 90%
70 - 90%
Annual Limit $5k - Unlimited $2.5k - Unlimited
Company Profile ASPCA Overview Petplan Overview
Waiting Period for Accidents 1 day 5 days
Waiting Period for Illnesses 14 days 15 days
Waiting Period for Orthopedic Coverage 14 days
6 mos.
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds
Dental - Accidents
Cancer Coverage
Wellness Coverage
Optional X
Vet Restrictions None None

✓ = Included   O = Optional   X = Excluded

Note: Pet insurance does not cover pre-existing conditions

ASPCA Overview

Eight weeks minimum, For illness coverage 12 years-old for dogs, 14 years-old for cats; No upper age limit for accident only coverage, dogs who are nine years old and greater, and cats 11 years old and greater at initial enrollment are not eligible for Continuing Care, which covers ongoing conditions.

Must agree to terms and conditions prior to enrollment. May ask for veterinary records to clarify health issues. Must acknowledge that pre-existing conditions are not covered.

Petplan Overview

Six month waiting period for cruciate ligaments and patellar luxation however a 30 day waiver is available, only 14 days for hip dysplasia coverage. Petplan covers dental injury, fractures, extractions and has the most comprehensive periodontal disease coverage.

While all applications are subject to underwriting review, medical records are not typically required for enrollment. Based on your pet’s medical history, records may be requested if: your pet is currently taking medication; your pet has had a recent injury or illness; you are re-enrolling your pet with a Petplan policy after there has been a break in coverage. Six weeks minimum age, no maximum age.

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