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Pets Best vs. ASPCA Pet Insurance
Pets Best and ASPCA are two of the Best Pet Insurance Companies in the U.S.
|Cost||Get a Free Quote||Get a Free Quote|
|Deductible||$0, 50 , 100, 200, 500 or 1,000||$100, 250 or 500|
|Reimbursement||70, 80, 90 or 100%||70, 80 or 90%|
|Annual Limit||$5k to $20k
||$5k to Unlimited|
|Wellness||Yes, for additional charge||Yes, for additional charge|
|Waiting Period for Accidents||3 days||1 day|
|Waiting Period for Illnesses||14 days||14 days|
|Orthopedic Coverage||12 month waiting period for cruciate ligament conditions, luxating patellas, elbow dysplasia and hip dysplasia||14 days|
|Hereditary & Genetic Conditions||7 conditions have 12 month waiting period: cruciate ligament injuries, luxating patellas, portosystemic shunts, elbow dysplasia, hip dysplasia, osteochondritis dissecans and cardiovascular defects. The waiting periods for these conditions can be reduced to 14 days if a veterinary exam confirms the pet does not have these health conditions. Exam must be performed 10 days prior to enrollment or no later than 30 days after enrollment. Vet must fill out the Pets Best Pet Health Checklist form.||No restrictions|
|Prescription Meds||Yes, but there is a list of covered meds||Yes|
|Dental||Accidents only||Accidents only|
|Pets Age||7 weeks minimum, no upper age limit||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|
|Enrollment||Must agree to application agreement prior to enrollment. This forces pet owners to acknowledge that pre-existing conditions are not covered . Agreement also states that Pets Best may request medical records at any time for enrollment, underwriting or claims purposes. Optional Pet Health Checklist form can be filled out to reduce waiting periods for Hereditary 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.|
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