Pet Insurance Quotes

Prudent Pet Insurance vs ASPCA

Prudent Pet Insurance rated #1 pet insurance on Trustpilot. ASPCA, like Prudent Pet Insurance offers accidental and illness coverage. Prudent Pet Insurance highlights a 24/7 virtual vet chat. ASPCA and Prudent Pet Insurance have add-on coverages!

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Prudent Pet Insurance ASPCA® Pet Health Insurance Program
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 543 2,387
Deductible: $100-$1000 $100 - $500
Reimbursement: 70-90% 70% - 90%
Annual Limit: 10,000-Unlimited $5,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 5 Days 14 days
Waiting Period for Illnesses: 14 Days 14 days
Waiting Period for Orthopedic Coverage: n/a 14 days
Emergency Care: Excluded Excluded
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Excluded Excluded
Hereditary Conditions: Included Included
Chronic Conditions: Excluded Included
Prescription Meds: Included Included
Wellness Coverage: Optional Optional
Vet Restrictions: n/a None

Prudent Pet Insurance Enrollment Requirements

  • 6-month waiting period for knee and ligament issues
    • Can be waived with a veterinarian note
  • 14-day waiting period for illnesses
  • 5-day waiting period for accidents
  • 30-day money-back guarantee

ASPCA® Pet Health Insurance Program 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.