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 see the reverse: Pets Best beats ASPCA by one spot in national affordability rankings.
• Coverage: Pets Best ranks second nationally for both dogs and cats, while ASPCA trails by six positions. That gap matters 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 shows consistent patterns: Pets Best offers the cheapest pet insurance for cats across all age groups, while ASPCA is the better deal for dogs. Here's how costs break down by age in the most affordable states:

• Kittens: Pets Best costs $9 per month in Arkansas, about 10% less than the ASPCA's $10.
• Puppies: ASPCA comes in at $17 monthly in Arkansas, about 8% less than Pets Best's $18.
• Young Cats: Pets Best's lowest rate for this group in Arkansas is $11 monthly, 16% below the ASPCA's $14.
• Young Dogs: The ASPCA's most affordable rate in Arkansas is $21 monthly, 5% less than Pets Best.
• Middle-Aged Cats: Pets Best is cheapest in Arkansas at $18 monthly, 14% less than ASPCA's $21.
• Middle-Aged Dogs: ASPCA's lowest rate is $32 monthly in Arkansas, about 10% less than Pets Best's $36.
• Senior Cats: Pets Best is cheapest in Arkansas at $45 monthly, 12% less than ASPCA's $51.
• Senior Dogs: ASPCA's lowest rate is $78 monthly in Arkansas, 12% less than Pets Best's $89.

ASPCA and Pets Best each offer four pet insurance discounts, but ASPCA offers double the savings on comparable discounts, such as multiple pets (10% vs. 5%) and veterinary staff (10% vs. 5%). Pets Best is the only one that offers a 5% discount to military members, while ASPCA offers a unique 10% discount for association members.

Pets Best ranks fifth nationally for customer experience, one spot ahead of ASPCA. ASPCA holds a higher Better Business Bureau rating, but Pets Best scores better on Trustpilot and draws more positive sentiment on Reddit.

Pets Best offers more thorough pet insurance coverage for dogs and cats than ASPCA, ranking six spots higher nationally. Its waiting period for accidents is shorter, and it pays licensed veterinarians directly for covered claims so owners don't have to cover costs upfront.

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: