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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.

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ASPCA Pet Insurance

ASPCA Overview

Petplan Pet Insurance logo

Petplan Overview


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Overall Rating ★★★ ★★★★★
Customer Satisfaction 86% 91%
Deductible $100, 250 or 500 $100 - $1,000
Reimbursement 70, 80 or 90% 70, 80 or 90%
Annual Limit $5k to Unlimited
$2,500 - Unlimited
Wellness Yes, for additional charge
Pre-Existing Conditions No No
Waiting Period for Accidents 1 day 5 days
Waiting Period for Illnesses 14 days 15 days
Orthopedic Coverage 14 days
6 mos.
Hereditary & Genetic Conditions No restrictions
No restrictions
Chronic Conditions Yes Yes
Prescription Meds Yes Yes
Dental Accidents only Accidents only
Cancer Coverage Yes Yes

ASPCA Overview

8 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 9 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

6 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.

6 weeks minimum age, no maximum age.

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