Head-to-Head
ASPCA vs Pets Best
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | Pets Best |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✗ No |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | + Add-on |
Pricing comparison
| Dog type | ASPCA | Pets Best |
|---|---|---|
| Small (young) | $25–$50/mo | $18–$32/mo |
| Medium (young) | $35–$65/mo | $24–$44/mo |
| Large (young) | $45–$85/mo | $32–$62/mo |
| Brachycephalic | $50–$95/mo | $36–$72/mo |
| Large (senior) | $60–$120/mo | $50–$100/mo |
Plan flexibility
| Option | ASPCA | Pets Best |
|---|---|---|
| Deductibles | $100, $250, $500 | $50, $100, $200, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90% |
| Annual limits | $5000, $10000, Unlimited | $5,000, $10,000, Unlimited |
Waiting periods
| Type | ASPCA | Pets Best |
|---|---|---|
| Accidents | 14 days | 3 days |
| Illness | 14 days | 14 days |
| Orthopedic | None | 6mo |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
Pets Best
✓ Competitive pricing
✓ No upper age limit
✓ Fast 3-day accident wait
✓ Unlimited annual limit available
✗ No dental illness coverage
✗ 12-month cruciate wait
✗ Lower commission (affects recommendation bias awareness)
Frequently asked questions
Which is better, ASPCA or Pets Best?
ASPCA has a higher overall rating. ASPCA scores 4.2/5 while Pets Best scores 4/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Pets Best?
For a medium-sized young dog, ASPCA costs $35–$65/month while Pets Best costs $24–$44/month. Pets Best is generally more affordable.
Which has better coverage, ASPCA or Pets Best?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Pets Best takes 5 days. Review the coverage table above for detailed feature-by-feature differences.
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