Head-to-Head
ASPCA vs Spot
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | Spot |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | + Add-on |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | + Add-on |
Pricing comparison
| Dog type | ASPCA | Spot |
|---|---|---|
| Small (young) | $25–$50/mo | $20–$36/mo |
| Medium (young) | $35–$65/mo | $26–$48/mo |
| Large (young) | $45–$85/mo | $36–$68/mo |
| Brachycephalic | $50–$95/mo | $40–$82/mo |
| Large (senior) | $60–$120/mo | $55–$112/mo |
Plan flexibility
| Option | ASPCA | Spot |
|---|---|---|
| Deductibles | $100, $250, $500 | $100, $250, $500, $750, $1000 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90% |
| Annual limits | $5000, $10000, Unlimited | $2,500, $5,000, $10,000, Unlimited |
Waiting periods
| Type | ASPCA | Spot |
|---|---|---|
| Accidents | 14 days | 14 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
Spot
✓ Highly customizable plans
✓ Unlimited annual limit available
✓ Preventive care add-on
✓ No upper age limit
✗ 14-day accident waiting period
✗ Add-ons increase cost
✗ Newer brand
Frequently asked questions
Which is better, ASPCA or Spot?
ASPCA has a higher overall rating. ASPCA scores 4.2/5 while Spot scores 4.1/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Spot?
For a medium-sized young dog, ASPCA costs $35–$65/month while Spot costs $26–$48/month. Spot is generally more affordable.
Which has better coverage, ASPCA or Spot?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Spot takes 4 days. Review the coverage table above for detailed feature-by-feature differences.
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