Pet Insurance Quotes

Petco Pet Insurance vs. ASPCA

One of the biggest differences between Petco and ASPCA is that Petco offers accident and illness coverage without the option of wellness coverage while ASPCA does offer a wellness option. Both companies have excellent customer service ratings and depending on the type of coverage you’re looking for they are both great options for any dog or cat!

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Petco Insurance ASPCA Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 19 6,145
Deductible: $100 - $500 $100, $250, or $500
Reimbursement: 70% - 90% 70% - 90%
Annual Limit: $5,000 - Unlimited $2,500 - $10,000
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 days 15 days
Waiting Period for Illnesses: 14 days 15 days
Waiting Period for Orthopedic Coverage: 14 days 15 days
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Excluded Optional
Vet Restrictions: None None

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Petco launched its direct-to-consumer plan in 2020 but it’s backed by Crum & Forster, which has been offering pet insurance for over 20 years. The combination of Petco’s trusted brand and C&F’s insurance platform is a great combination for pet parents.

ASPCA, which is also underwritten by Crum & Forster, has been in the market for over 20 years, so if experience is important, they are a great option.

Because the two companies are both underwritten by Crum & Forster, the accident and illness plans are identical in coverage and price. The biggest difference is that ASPCA offers wellness coverage whereas Petco currently does not. So if you’re looking for routine coverage, ASPCA might be a better option.

Petco and ASPCA are both great options when it comes to pet insurance. If you’d like to have a major pet business attached to your plan, then Petco is a great option. If you’re looking for routine care coverage then ASPCA would be a better choice because of their wellness coverage.

Either way, you can’t go wrong!

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Petco Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request it.

ASPCA Pet Insurance Enrollment Requirements

Enrollment Exam Requirements: There are no enrollment exam requirements.