Pets Best vs. ASPCA Pet Insurance

MoneyGeek's study found that Pets Best outperforms ASPCA overall in pet insurance, ranking third for dogs and seventh for cats. ASPCA places fifth for dogs and ninth for cats. But the right pick comes down to what you need most:

• Affordability: Dog owners get better pricing with ASPCA, which ranks second nationally. Pets Best comes in fourth. Cat owners flip the math: Pets Best beats ASPCA by one spot in national affordability rankings.
• Coverage: Pets Best holds second nationally for both dogs and cats, while ASPCA trails by six positions. That gap adds up when your pet needs care.
• Customer Experience: Pets Best ranks fifth nationally in service quality for both dogs and cats. ASPCA lands one spot lower in customer satisfaction.

Learn more about the best pet insurance options for your pet across different situations:

Pets Best ranks above ASPCA as the best pet insurance company in 49 states for both dogs and cats. ASPCA edges out Pets Best only in California for dogs and South Carolina for cats.

ASPCA offers cheaper pet insurance for all dog age groups, with senior dog owners saving up to 13% compared to Pets Best. Pets Best wins for all cat categories, with the biggest savings of 14% for young cat owners.

See how much pet insurance costs across different age categories below.

State-level pricing reveals consistent patterns: Pets Best offers the cheapest pet insurance for cats across all age groups, while ASPCA takes the lead for dogs. Here's how costs break down by age category in the most affordable states:

• Kittens: Pets Best wins in Arkansas at $9 monthly, saving you 10% compared to ASPCA's $10.
• Puppies: ASPCA offers better rates in Arkansas at $17 monthly. You save 8% against Pets Best's $18.
• Young Cats: Arkansas has the lowest Pets Best rates at $11 monthly, 16% below ASPCA's $14.
• Young Dogs: ASPCA's most affordable coverage appears in Arkansas at $21 monthly, beating Pets Best by 5%.
• Middle-Aged Cats: Pets Best reaches its lowest pricing in Arkansas at $18 monthly. That's 14% less than ASPCA's $21.
• Middle-Aged Dogs: ASPCA provides the cheapest option in Arkansas at $32 monthly, saving you 10% compared to Pets Best's $36.
• Senior Cats: Arkansas gives you the best Pets Best rates at $45 monthly, which is 12% lower than ASPCA's $51.
• Senior Dogs: Arkansas also offers ASPCA's lowest pricing at $78 monthly. You save 12% against Pets Best's $89.

ASPCA and Pets Best each offer four pet insurance discounts, but ASPCA provides double the savings on similar discounts like multiple pets (10% versus 5%) and veterinary staff (10% versus 5%). Pets Best exclusively rewards military members with a 5% discount, while ASPCA reserves its unique discount for association members at 10%.

Pets Best's customer service is better than ASPCA's, with Pets Best finishing fifth nationally compared to ASPCA's sixth position. While ASPCA has a higher rating from the Better Business Bureau, Pets Best still edges ahead by earning a stronger Trustpilot score and positive sentiment on Reddit.

Pets Best offers more comprehensive pet insurance coverage for dogs and cats than ASPCA, leading ahead in our national ranking by six spots. Pets Best requires a shorter waiting period for accidents and pays licensed veterinarians directly for covered claims to reduce upfront costs.

Coverage varies by state and policy terms. Always review your policy documents to understand exact coverage terms, exclusions and limitations.

If you're looking to expand your base coverage, both Pets Best and ASPCA offer add-ons, though you have more options with Pets Best.

• Wellness plans: Comes in two tiers (EssentialWellness and BestWellness) and provides reimbursement for bloodwork, fecal exams, urinalysis, spaying/neutering and teeth cleaning.
• Exam fees: Reimburses vet exam fees related to covered accidents and illnesses.
• Physical therapy: Covers the cost of rehabilitation, acupuncture and chiropractic care related to an eligible condition.

• Preventative Care plan: Covers wellness exams, routine vaccines, dental cleaning, heartworm testing, deworming, fecal testing, spay/neuter procedures, urinalysis, additional vaccines, blood tests and health certificates, depending on the tier (Basic or Prime).

Pets Best beats ASPCA for pet insurance overall, with stronger customer service and broader coverage. Pets Best is also more affordable for cats, saving you 8% to 14% across different age groups. ASPCA is cheaper for dogs, with rates 5% to 13% lower than Pets Best.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Pets Best and ASPCA pet insurance through these common questions: