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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.

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Pets Best Insurance

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ASPCA Pet Insurance

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Cost Get a Free Quote Get a Free Quote
Overall Rating ★★★★★ ★★★
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
Pre-Existing Conditions No No
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
Chronic Conditions Yes Yes
Prescription Meds Yes, but there is a list of covered meds Yes
Dental Accidents only Accidents only
Cancer Coverage Yes Yes
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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