ASPCA Pet Insurance vs Pets Best: Compare Coverage, Price & More

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Two happy dogs in the car peep out back seat (Caption: ASPCA Pet Insurance vs Pets Best)

ASPCA Pet Insurance has a big brand name behind it, but Pets Best is known for its low prices. Does one pet insurance provider offer more thorough coverage than the other? Or maybe one fit your unique set of needs better?

We compare coverage, customer service and reputation, claim processing, pricing, and customization and explain which company we think is better. However, remember that each pet and budget is different, so we suggest getting quotes from multiple companies to ensure you get the best bang for your buck.

Visit ASPCA Pet Insurance’s Website | Visit Pets Best’s Website

ASPCA Pet InsurancePets Best
Policy CoverageExtensiveExtensive
Customer Service & ReputationGoodGood
Claim Processing Average15-30 Days10-30 Days
Average Policy PriceVariableLower
Plan CustomizationsFewer OptionsMany Options
Overall WinnerOrange X (No or Not)Brown checkmark (Yes)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows what ASPCA Pet Insurance and Pets Best cover.

Note: Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications.

Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

ASPCA Pet InsurancePets Best
Ranking In Our Pet Insurance ComparisonUnrankedBest Overall
Illness Waiting Period14 Days14 Days
Accident Waiting Period14 Days3 Days
Hip Dysplasia Waiting Period14 Days14 Days
CCL Surgery Waiting Period14 Days6 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyBrown checkmark (Yes)Orange X (No or Not)
Wellness Care For An Extra FeeBrown checkmark (Yes)Brown checkmark (Yes)
Exam FeesBrown checkmark (Yes)Extra Fee
UnderwriterUnited States Fire Insurance CompanyAmerican Pet Insurance Company
A.M. Best RatingAUnrated

ASPCA Pet Insurance comes out ahead in this category because it offers alternative/holistic therapy coverage and a shorter CCL surgery waiting period. Additionally, its underwriter has an A rating by A.M. Best (a measurement of financial stability) compared to Pets Best who’s underwriter is unrated, which may make some uneasy.

ASPCA Insurance logo

However, a 14-day waiting period for accidents with ASPCA Pet Insurance is considered long compared to the competition. So if this is a deal-breaker, then Pets Best may be better suited to you, and it still offers extensive coverage. Plus there are more factors to consider.

Policy Coverage Winner: ASPCA Pet Insurance

Customer Service & Reputation

Person holding phone next to dog (caption: Customer Service Winner)

ASPCA Pet Insurance has many complaints from customers regarding low reimbursements, slow claim processing, conditions flagged as pre-existing, and more. This is frustrating for customers because they purchase a policy expecting certain things to be covered and reimbursed but feel disappointed by what they actually get from ASPCA Pet Insurance.

Pets Best logo

As for Pets Best, its biggest complaint is its long claim processing times at present. Pet parents are impressed with Pets Best’s thorough coverage and lower prices, which is why so many sign-up. However, this results in more filed claims, overloading their system and delaying claim processing. Fortunately, Pets Best is actively hiring and training more people to get back to a more competitive claim’s processing timeline.

Customer Service & Reputation Winner: Pets Best

Claim Processing

Doctor's office papers (caption: Claim Repayment Winner)

ASPCA Pet Insurance averages 15-30 days for claim processing, a longer timeline than many competitors. Additionally, it has a program to pay vets directly, but it’s not available at every veterinary office.

Pets Best averages 10-30 days for claim processing, which is among the longest in the industry. However, Pets Best also offers an option to pay vets directly, so you don’t have to wait for reimbursement. This may be a good option if you don’t want to wait for your claim to be processed. But be sure to confirm your vet can work in this manner before you make any assumptions.

Pets Best logo

Claim Processing Winner: Pets Best

Price Of Policy

Dog laying next to money (caption: Pricing Winner)

Neither ASPCA Pet Insurance nor Pets Best have enrollment fees, but both have a $2 monthly transaction fee unless you pay the annual premium upfront.

Pricing is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered. Then use our pet insurance quote form to see how other top companies compare for your actual pet.

Pets Best logo

On average, Pets Best is among the least expensive, while ASPCA Pet Insurance’s prices tend to fall in the middle among competitors.

Price Of Policy Winner: Pets Best

Coupons

ASPCA Pet Insurance

ASPCA Pet Insurance offers the following discount:

  • 10% off for multiple pets 

Use this link to take advantage of the best possible price. No promo code is needed.

Pets Best

Pets Best offers the following discounts:

  • 5% off for multiple pets
  • 5% off for military members and their families

Use this link to take advantage of the best possible price. No promo code is needed. You can also visit our dedicated Pets Best promotions page to learn more.

Plan Customization

Several types of dogs sitting together (caption: Customize Plan Winner)

Finding a company with the coverage you need that fits your budget is crucial. Look below to see what plan options each of these providers offer.

ASPCA Pet InsurancePets Best
Deductible Options$100, $250, $500$50, $100, $200, $250, $500, $1,000
Payout Options$3,000, $4,000, $5,000, $7,000, $10,000$5,000, Unlimited
Reimbursement Options70%, 80%, 90%70%, 80%, 90%
Pets Best logo

Both companies offer multiple plan customizations to help you find the best option for your budget. And although ASPCA Pet Insurance provides numerous payout choices, it’s disappointing there’s no unlimited option for customers who prefer no limit to their annual coverage amount. Because of this, Pets Best wins this category.

Plan Customization Winner: Pets Best

What’s The Verdict?

Overall, Pets Best wins our comparison due to its thorough customer service and reputation, low prices, and customization options. However, we always recommend getting multiple quotes from pet insurance providers so it’s good to consider ASPCA Pet Insurance.

Pets Best logo

If you didn’t find what you were looking for, our experts dig even deeper into each company in our individual reviews of ASPCA Pet Insurance and Pets Best. You also might want to consider a few other companies in your analysis before making your final decision.

Overall Winner: Pets Best

Our experts have spent hundreds of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, including our top picks along with details on each of the most popular pet insurance companies.

If you prefer to see winners by category, check out our best pet insurance comparison. We give awards for best price, multi-pet discounts, 100% reimbursement, unlimited payouts, and other “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, vet direct pay, and more. You’ll even see winners for exotic pets and cats.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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