Pets Best delivers better pet insurance coverage for dogs and cats than ASPCA, ranking second nationally while ASPCA ranks eighth. Both companies offer similar deductible options, annual limits and reimbursement rates, but Pets Best provides shorter accident waiting periods and greater coverage flexibility for policy adjustments.
Pets Best vs. ASPCA Pet Insurance
Updated: November 3, 2025
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Pets Best vs. ASPCA Pet Insurance: Key Takeaways
Pets Best provides more affordable cat insurance at $27 monthly compared to ASPCA's $31, while ASPCA offers lower dog insurance rates at $48 monthly versus Pets Best's $53.
Pets Best ranks fifth nationally in customer experience for both cats and dogs, with a Trustpilot rating of 4.0 out of 5.0 stars, surpassing ASPCA's sixth-place ranking and 3.7-star rating.
Pets Best demonstrates stronger coverage options with a second-place national ranking, while ASPCA places eighth, with Pets Best offering accident coverage after three days compared to ASPCA's 14-day waiting period.
Is Pets Best or ASPCA Pet Insurance Better?
Data filtered by:
Dog
| Affordability | ASPCA | 2 | 4 |
| Coverage | Pets Best | 2 | 8 |
| Customer Experience | Pets Best | 5 | 6 |
| Overall Score | Pets Best | 3 | 5 |
Pets Best and ASPCA Comparison by State
Both providers show equal state-level leadership. Pets Best is the best pet insurance company in Maryland for cats and Wisconsin for dogs. ASPCA leads in South Carolina for cat coverage and California for dog insurance.
Data filtered by:
Overall Score
Dog
| Alabama | Pets Best | 4 | 1 |
| Alaska | Pets Best | 4 | 3 |
| Arizona | Pets Best | 3 | 2 |
| Arkansas | Pets Best | 4 | 3 |
| California | ASPCA | 5 | 1 |
| Colorado | Pets Best | 3 | 2 |
| Connecticut | Pets Best | 4 | 1 |
| Delaware | Pets Best | 3 | 3 |
| Florida | Pets Best | 3 | 2 |
| Georgia | Pets Best | 4 | 1 |
| Hawaii | Pets Best | 4 | 2 |
| Idaho | Pets Best | 4 | 1 |
| Illinois | Pets Best | 4 | 1 |
| Indiana | Pets Best | 4 | 1 |
| Iowa | Pets Best | 3 | 2 |
| Kansas | Pets Best | 4 | 2 |
| Kentucky | Pets Best | 4 | 3 |
| Louisiana | Pets Best | 3 | 2 |
| Maine | Pets Best | 4 | 4 |
| Maryland | Pets Best | 3 | 4 |
| Massachusetts | Pets Best | 4 | 1 |
| Michigan | Pets Best | 3 | 2 |
| Minnesota | Pets Best | 4 | 1 |
| Mississippi | Pets Best | 3 | 2 |
| Missouri | Pets Best | 4 | 1 |
| Montana | Pets Best | 4 | 2 |
| Nebraska | Pets Best | 3 | 3 |
| Nevada | Pets Best | 3 | 1 |
| New Hampshire | Pets Best | 3 | 3 |
| New Jersey | Pets Best | 3 | 4 |
| New Mexico | Pets Best | 3 | 2 |
| New York | Pets Best | 3 | 2 |
| North Carolina | Pets Best | 3 | 2 |
| North Dakota | Pets Best | 3 | 3 |
| Ohio | Pets Best | 3 | 2 |
| Oklahoma | Pets Best | 3 | 1 |
| Oregon | Pets Best | 4 | 1 |
| Pennsylvania | Pets Best | 3 | 2 |
| Rhode Island | Pets Best | 4 | 1 |
| South Carolina | Pets Best | 4 | 4 |
| South Dakota | Pets Best | 3 | 1 |
| Tennessee | Pets Best | 4 | 1 |
| Texas | Pets Best | 4 | 1 |
| Utah | Pets Best | 3 | 2 |
| Vermont | Pets Best | 3 | 4 |
| Virginia | Pets Best | 3 | 2 |
| Washington | Pets Best | 4 | 2 |
| West Virginia | Pets Best | 3 | 2 |
| Wisconsin | Pets Best | 2 | 3 |
| Wyoming | Pets Best | 4 | 3 |
Pets Best vs. ASPCA Pet Insurance Cost
Pet insurance costs vary by pet type between these providers. Pets Best offers more affordable rates for cats across all ages, while ASPCA provides cheaper coverage for dogs. For middle-aged cats, Pets Best costs $27 per month compared with ASPCA's $31. For middle-aged dogs, ASPCA charges $48 versus Pets Best's $53.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Pets Best | $13 | 8% |
| Young Cats | Pets Best | $17 | 14% |
| Puppies | ASPCA | $25 | 8% |
| Middle Aged Cats | Pets Best | $27 | 12% |
| Young Dogs | ASPCA | $31 | 5% |
| Middle Aged Dogs | ASPCA | $48 | 10% |
| Senior Cats | Pets Best | $67 | 10% |
| Senior Dogs | ASPCA | $116 | 13% |
Pets Best vs. ASPCA Pet Insurance Cost by State
ASPCA offers the cheapest pet insurance for dogs across all 50 states, including middle-aged and senior dogs. Pets Best leads for cats in every state, providing the most affordable rates for middle-aged cats and kittens nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | ASPCA | $35 | 10% |
| Alaska | ASPCA | $47 | 10% |
| Arizona | ASPCA | $58 | 10% |
| Arkansas | ASPCA | $32 | 10% |
| California | ASPCA | $60 | 11% |
| Colorado | ASPCA | $60 | 10% |
| Connecticut | ASPCA | $55 | 10% |
| Delaware | ASPCA | $48 | 10% |
| Florida | ASPCA | $54 | 10% |
| Georgia | ASPCA | $43 | 10% |
| Hawaii | ASPCA | $48 | 10% |
| Idaho | ASPCA | $48 | 10% |
| Illinois | ASPCA | $59 | 10% |
| Indiana | ASPCA | $43 | 10% |
| Iowa | ASPCA | $40 | 10% |
| Kansas | ASPCA | $44 | 10% |
| Kentucky | ASPCA | $38 | 10% |
| Louisiana | ASPCA | $39 | 10% |
| Maine | ASPCA | $58 | 10% |
| Maryland | ASPCA | $47 | 10% |
| Massachusetts | ASPCA | $62 | 10% |
| Michigan | ASPCA | $48 | 10% |
| Minnesota | ASPCA | $50 | 10% |
| Mississippi | ASPCA | $41 | 10% |
| Missouri | ASPCA | $38 | 10% |
| Montana | ASPCA | $40 | 10% |
| Nebraska | ASPCA | $43 | 10% |
| Nevada | ASPCA | $50 | 10% |
| New Hampshire | ASPCA | $56 | 10% |
| New Jersey | ASPCA | $54 | 10% |
| New Mexico | ASPCA | $42 | 10% |
| New York | ASPCA | $52 | 10% |
| North Carolina | ASPCA | $43 | 10% |
| North Dakota | ASPCA | $37 | 10% |
| Ohio | ASPCA | $44 | 10% |
| Oklahoma | ASPCA | $40 | 10% |
| Oregon | ASPCA | $59 | 10% |
| Pennsylvania | ASPCA | $50 | 10% |
| Rhode Island | ASPCA | $42 | 10% |
| South Carolina | ASPCA | $45 | 10% |
| South Dakota | ASPCA | $42 | 10% |
| Tennessee | ASPCA | $44 | 10% |
| Texas | ASPCA | $51 | 10% |
| Utah | ASPCA | $46 | 10% |
| Vermont | ASPCA | $45 | 10% |
| Virginia | ASPCA | $51 | 10% |
| Washington | ASPCA | $55 | 10% |
| West Virginia | ASPCA | $41 | 10% |
| Wisconsin | ASPCA | $51 | 10% |
| Wyoming | ASPCA | $44 | 10% |
Pets Best vs. ASPCA Pet Insurance Discounts
Both Pets Best and ASPCA Pet Health Insurance offer pet insurance discounts to help reduce the cost of coverage, especially for families with multiple pets or those eligible for group discounts. The table below shows how each provider’s discounts compare.
Save 5% when you enroll more than one pet under the same plan. | Save 10% on premiums for each additional pet you insure. | |
Bundling | None | None |
Annual Pay-In Full | None specified | None specified |
Association/Club Member | Select veterinary partners may offer 10% discount certificates for eligible enrollments. | Veterinary practice employees and partner groups may qualify for up to 10% off pet insurance. |
Employer Group | May be available through select partner organizations. | Employees of participating companies receive up to 10% off pet insurance as part of ASPCA’s employer benefits program. |
Pets Best vs. ASPCA Pet Insurance Customer Experience
Pets Best offers better customer experience than ASPCA, ranking fifth nationally for both dog and cat insurance in our analysis. ASPCA ranks eleventh, trailing by six positions. Third-party ratings show contrasting results. ASPCA maintains an A+ BBB rating while Pets Best receives an F rating, though Pets Best earns a higher 4.0 Trustpilot score compared to ASPCA's 3.7 rating.
Pets Best vs ASPCA Trustpilot ratings
Pets Best earns a 4.0 out of 5.0 Trustpilot rating from verified customers compared to ASPCA's 3.7 out of 5.0. Both providers show mixed customer feedback, with Pets Best receiving slightly more positive reviews regarding claims processing and customer service responsiveness.
Pets Best vs ASPCA Pet Insurance Reddit sentiment
We analyzed Reddit discussions and found Pets Best performed significantly better with 70% positive sentiment from 10 total comments compared to ASPCA's 36% positive sentiment from 11 comments. User feedback suggests Pets Best customers report more satisfaction with claims experiences, while ASPCA discussions highlight mixed service quality.
Pets Best vs. ASPCA Pet Insurance Coverage
ASPCA offers better pet insurance coverage for dogs and cats than Pets Best, ranking sixth nationally while Pets Best ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but ASPCA has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Covered through wellness add-on | Covered through preventive care add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$50, $100, $200, $250, $500, $1,000 | $100, $250, $500 | |
$5,000, $10,000, Unlimited | $2,500, $5,000, $7,000, $10,000 | |
70%, 80%, 90% | 70%, 80%, 90% | |
3 days for accidents, 14 days for illnesses | 14 days for accidents and illnesses | |
Age restrictions | No upper age limit for accident or illness coverage | Coverage eligibility varies by state but generally includes older pets |
Excluded; curable conditions may be reconsidered after a waiting period | Excluded; pre-existing conditions not eligible for reimbursement | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Pets Best vs. ASPCA Pet Insurance Add-ons
Both Pets Best and ASPCA offer optional wellness plans to cover preventive and routine care costs. These add-ons can help pet owners stay proactive about their pet’s health while minimizing out-of-pocket expenses for routine services.
Pets Best Pet Insurance Add-ons
Pets Best offers two levels of routine care coverage as well as options for exam fees and accident-only plans.
- EssentialWellness and BestWellness plans: Cover annual exams, dental cleaning, vaccines, spay/neuter, microchipping, and routine lab tests, with higher annual reimbursement under the BestWellness plan.
- Exam fee coverage: Optional add-on that helps pay for vet exam costs related to covered conditions.
- Accident-only plan: A lower-cost option covering injuries like fractures, swallowed objects, and bite wounds for pet owners seeking basic financial protection.
ASPCA Pet Insurance Add-ons
ASPCA offers two preventive care options along with built-in support for behavioral and alternative treatments under select plans.
- Preventive Care – Basic and Prime: Cover exams, dental cleaning, vaccines, parasite testing, and spay/neuter in the Prime plan, with no deductible or waiting period.
- Behavioral and alternative therapy coverage: Included in the Complete Coverage plan, reimbursing costs for training, acupuncture, chiropractic care, and hydrotherapy when prescribed by a licensed vet.
Pets Best vs. ASPCA Pet Insurance: Bottom Line
Pets Best beats ASPCA overall, delivering superior coverage options and better customer service. Pets Best offers comprehensive accident and illness plans with optional wellness add-ons, earning a 4.0 out of 5.0 Trustpilot rating despite an F BBB rating. However, ASPCA provides more affordable coverage for dog owners, with rates starting at $48 per month for middle-aged dogs compared to Pets Best's $53. Cat owners get better value with Pets Best at $27 monthly versus ASPCA's $31 for middle-aged pets.
Pets Best vs. ASPCA Pet Insurance Comparison: FAQ
Compare Pets Best and ASPCA pet insurance through these common questions:
Which is cheaper: Pets Best vs ASPCA pet insurance?
Neither provider consistently offers cheaper rates across all pet categories. ASPCA costs less for dogs, while Pets Best wins for cats. For middle-aged cats, Pets Best charges $27 monthly compared to ASPCA's $31. However, ASPCA offers better rates for middle-aged dogs at $48 monthly versus Pets Best's $53. Your pet's species and age determine which provider offers more affordable coverage.
Which has better customer service: Pets Best vs ASPCA pet insurance?
Pets Best delivers superior customer service, ranking fifth nationally for customer experience compared to ASPCA's 11th-place position. Pets Best holds a 4.0 out of 5.0 Trustpilot score despite an F BBB rating, while ASPCA maintains a 3.7 Trustpilot rating with an A+ BBB grade.
Which offers better coverage: Pets Best vs ASPCA pet insurance?
Pets Best offers superior coverage, ranking 2nd nationally while ASPCA ranks 8th for both cats and dogs. Pets Best provides extensive add-on options including dental illness coverage, behavioral therapy, and end-of-life care. ASPCA focuses primarily on wellness plans as extras. Both insurers cover standard veterinary needs like diagnostics, medications, and chronic conditions, but Pets Best's broader selection of optional benefits delivers greater customization flexibility for pet owners.
Can I switch from Pets Best vs ASPCA pet insurance or vice versa?
Yes, you can switch between Pets Best and ASPCA pet insurance anytime by canceling your current policy and buying a new one. However, new waiting periods will apply: typically 14 days for illnesses and 30 days for orthopedic conditions. Any conditions diagnosed under your previous policy become pre-existing with your new insurer.
Does Pets Best vs ASPCA cover pre-existing conditions?
Neither Pets Best nor ASPCA covers pre-existing conditions initially. However, both companies may provide coverage for certain conditions later. Pets Best covers curable pre-existing conditions after 12 consecutive months without symptoms, treatment, or medication. ASPCA follows similar guidelines, covering curable conditions after one year symptom-free. Chronic or incurable conditions remain excluded permanently by both providers.
Can I get discounts with both Pets Best vs ASPCA pet insurance?
Yes, both Pets Best and ASPCA offer multiple discount opportunities. Pets Best provides five discount types, including 5% for multi-pet households, military personnel savings, and employer group benefits. ASPCA offers four discount options, featuring 10% for multiple pets, annual payment discounts, and special rates for certain memberships. Both companies help reduce premium costs through various qualifying programs.
What are the age limits for Pets Best vs ASPCA pet insurance?
ASPCA pet insurance accepts pets of any age with no upper enrollment limits, making it accessible for senior animals. Pets Best restricts enrollment to pets under 14 years old, which limits coverage options for older pets seeking new insurance policies.
How We Scored Pets Best vs. ASPCA Pet Insurance
Evaluating Pets Best vs ASPCA required gathering quotes and policy details under identical conditions. Both providers were assessed using the same pet profiles and coverage specifications to ensure fair comparison.
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
MoneyGeek scored each provider across three weighted categories based on their importance to pet owners.
Affordability (50% of score): We collected quotes across multiple pet ages and coverage combinations to determine typical monthly premiums, including applicable discounts that affect real costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online sentiment to measure customer satisfaction with claims processing and support quality.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to assess which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.