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ASPCA vs. Pets Best

ASPCA vs. Pets Best Pet Insurance:
The Ultimate Comparison Chart

If you're struggling to decide which pet insurance is best, we'll help you analyze top providers - instantly.

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High Level Details

ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Monthly Price
Varies by breed, age, location, etc >

we use the data you entered to try and figure out how much we expect this insurance policy to cost each year

Coverage Score
Analyze >

Pricing Score

Average Days To Reimburse
9 Days
5 Days

Days To Submit Claim Before Expiration
270 Days
180 Days

Like a lot of insurance plans, coverage begins after a length of time known as a waiting period. The waiting period varies by the type of coverage.
Accidents: 14 Days
Illnesses: 14 Days
Accidents: 3 Days
Illnesses: 14 Days
Cruciate Ligament Conditions: 6 Months

Coverage Details

Image of Use Any Vet
Use Any Vet
Because expenses are reimbursed by the insurance provider after treatment, you can use any vet with these plans.
Covered
Covered

Image of Illnesses
Illnesses
Illnesses that your pets might encounter
Covered
Covered

Image of Cancer
Cancer
Coverage includes chemotherapy and radiation treatment.
Covered
Covered

Image of Breed-Specific Conditions
Breed-Specific Conditions
Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Covered
Covered
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Covered
Covered
Condition that requires ongoing care.
Covered
Covered
A disease that affects an animal's hip joint.
Covered
Covered
Knee Injury
Covered
Covered

Image of Accidents
Accidents
Intravenous (IV) Fluids and Medications
Covered
Covered
Medical Supplies (bandages, casts, and splints)
Covered
Covered
MRI Scans
Covered
Covered
CT Scans
Covered
Covered
X-Rays
Covered
Covered
Ultrasound
Covered
Covered
Blood Tests
Covered
Covered
Urinalysis
Covered
Covered
Exam Fees for a Covered Occurrence
Covered
Covered
Surgery
Covered
Covered
Hospitalization
Covered
Covered

Image of Dental
Dental
Dental Coverage for Tooth Extractions
Covered
Covered
Dental Coverage for Illness-Related Cleaning
Covered
Covered
Dental Coverage for Periodontal Disease
Covered
Dental Coverage for Deciduous Teeth, Cysts, Enamel, and Unerupted Issues.
Covered

Image of Alternative Therapies
Alternative Therapies
The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
Covered
Covered
The insertion of small needles to cause a desired healing effect.
Covered
Covered
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Covered
Covered
Chiropractic adjustments include spinal manipulation and/or manual therapy.
Covered
Covered
A system of health care that concentrates on care of the whole animal by methods that are specific, gentle, and sympathetic to the body’s needs. Homeopathy is based on the utilization of specially prepared, refined dilutions of natural substances intended to trigger a healing response in a patient.
Covered
No
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).
Covered
No

Image of Behavioral Issues
Behavioral Issues
A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
Covered
No
Costs and payments related to obedience or training classes, including puppy classes.
No
No
Costs and payments related to training for behavioral disorders.
No
No
Covers legal defense and damages associated with your pet's third-party health liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another human.
No
No
Covers legal defense and damages associated with your pet's third-party property liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another dog or causing damage to someone else's furniture, for example.
No
No

Image of Prescribed Foods + Medication
Prescribed Foods + Medication
Prescription medications are approved by your vet for the treatment of your pet's ailment.
Covered
Covered
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
Covered
No
Foods prescribed by your veterinarian for general health maintenance or prevention.
No
No

Image of Exam Fees
Exam Fees
Exam Fees for a Covered Occurrence
Covered
Covered

Image of Poison
Poison
Poison Control Consultation Fees
Covered
No

Image of Supplements For Covered Conditions
Supplements For Covered Conditions
Supplements prescribed or dispensed by a veterinarian to treat a covered condition.
Covered
Covered

Image of Vet Labor
Vet Labor
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
Covered
Covered

Image of Other
Other
Stem Cell Therapy
Covered
No
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
Covered
Covered
Reimbursements for advertising costs for a lost pet.
No
No
Reimbursements for offering a reward for a lost pet.
No
No
If your pet requires lifesaving medical treatment, the provider will pay for unrecoverable travel and accommodation expenses while you are on travel or within a week from your travel date.
No
No
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
Covered
Covered
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Covered
No
Breeding, Pregnancy, Whelping or Nursing
No
No
Complications from Breeding, Pregnancy, Whelping, or Nursing
No
No

Next Steps
Analyze My Pet

Which Pet Insurance Is Right For Me?

It depends on your pet’s breed, age, location, your financial standing, and the kind of coverage you need. To better understand how the chart above relates to your unique pet’s breed-specific risks, use Pawlicy Advisor to instantly analyze ASPCA, Pets Best, and other top providers. In 5 minutes or less you’ll understand which waiting times, coverage exclusions, and therapies are ideal for your pet’s breed and age.

For example, if you have a larger breed, having a policy with a long waiting period on knee injuries might not be ideal - but that same policy could be perfect for a small lap dog. Pawlicy Advisor will scan the fine print for you automatically to give you more transparency, and you’ll uncover any hidden savings.

Compare ASPCA vs. Pets Best Pet Insurance Prices

Pricing will also depend on your cat or dog’s breed, age, location - however, it’s important to not only look at what your pet insurance policy will cost today, but to understand what it will ultimately cost across the lifespan of your pet. Different policies will have different rates at which your premium may increase.

To put it simply, the policy that looks cheaper today might not be cheaper in the long run. This information is hard to find without Pawlicy Advisor.

With Pawlicy Advisor, you get a personalized “Coverage Score” and “Lifetime Price Score” for hundreds of policy variations from top pet health insurance companies:

- Coverage Score: This score is calculated by comparing the kinds of coverage offered by this plan with other insurance offerings

- Lifetime Price Score: Insurance companies all charge a different amount to insure your dog or cat each year. We crunch the numbers to figure out how much we expect each plan to cost over your pet’s lifetime

Rest assured that all quotes you see from Pawlicy Advisor are pulled in real-time. We connect directly with our insurance partners to make sure your get the best price, with no hidden fees.

Ready to see your personalized analysis? Let's get started now.

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