Key Differences
Pets Best has shorter accident and illness waiting periods.
The ASPCA Pet Health Insurance Program offers annual limit options starting at $2,500 up to $10,000. Pets Best starts at $5,000 and goes up to unlimited.
Pets Best offers Direct Vet Pay, the ASPCA Pet Health Insurance Program does not.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans ASPCA Pet Health Insurance Program and Pets Best offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
7,529 |
19,362 |
Deductible: |
$100, $250, or $500 |
$50, $100, $200, $250, $500, or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$2,500 to $10,000 |
$5,000, $10,000, or Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
15 days |
3 days* |
Illness Waiting Period: |
15 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
14 days |
6 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Optional |
Direct Vet Pay: |
No |
Yes |
Claims Expiration: |
Within 270 days of treatment |
Within 180 days of treatment |
Claims Submission App: |
Yes |
No |
The ASPCA Pet Health Insurance Program Accident and Illness Coverage
The accident and illness coverage from the ASPCA Pet Health Insurance Program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $7,000, or $10,000
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Limited)
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
Preventative Care Coverage
The ASPCA Pet Health Insurance Program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Pets Best Accident and Illness Coverage
Pets Best offers an accident and illness plan. You can also configure some coverage options, such as exam fees, to be included or excluded to fit your needs.
Annual Deductible Options
$50, $100, $200, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, or Unlimited
What's Covered
Accidents
Behavioral Issues
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care and Hospitalization
Euthanasia
Hereditary Conditions
Illnesses
Prescription Medications*
Prosthetic Devices and Wheelchairs
Surgery
Review a sample policy for a complete list of coverage and exclusions
*Coverage included with most accident & illness plans. Review a sample policy for a complete list of covered medications.
Optional Routine Care Add-On
Pet’s Best offers two levels of an optional wellness care add-on, EssentialWellness or BestWellness. The main difference between the two is the amount you receive towards annual benefits. For EssentialWellness it’s up to $305 and for BestWellness it’s $535. Here’s what is covered in each level:
EssentialWellness
Pays up to the following limits, per year, with no deductible:
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
BestWellness
Pays up to the following limits, per year, with no deductible:
Spay/Neuter — Teeth Cleaning
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for ASPCA Pet Health Insurance Program and Pets Best.
ASPCA Pet Health Insurance Program Claims Details
The ASPCA Pet Health Insurance Program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Pets Best Claims Details
Pets Best Insurance has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with the invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements on eligible conditions
Convenient claim submission on desktop or mobile through a customer portal
Offers direct vet pay
Our ASPCA Pet Health Insurance Program vs. Pets Best Review
The ASPCA Pet Health Insurance Program and Pets Best offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both providers also offer optional wellness coverage add-ons to their base plans. As for coverage, the ASPCA Pet Health Insurance Program covers certain costs and services, such as exam fees, that Pets Best offers as optional add-on coverage.
You can configure plans based on your pet's needs and budget with the ASPCA Pet Health Insurance Program and Pets Best. But there are some differences in customization to note, like deductible and annual limit options. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
