Spot vs. ASPCA Pet Insurance

Spot delivers better pet insurance coverage than ASPCA for both cats and dogs, though both companies rank eighth nationally. Spot offers more flexible deductible options and shorter accident waiting periods, while both providers feature comparable annual limits and reimbursement rates, with Spot allowing coverage adjustments within 30 days of enrollment.

Spot is the best pet insurance company in three states for cats and four states for dogs. ASPCA leads in Nevada, Oklahoma and South Dakota for dog coverage. Spot dominates cat insurance in California, Florida and Massachusetts.

Pet insurance affordability depends on your pet type. Spot offers cheaper rates for cats across all age groups, while ASPCA provides better value for dogs. For middle-aged cats, Spot costs $30 per month compared with ASPCA's $31. For middle-aged dogs, ASPCA charges $48 versus Spot's $49.

See how much pet insurance costs across different age categories.

ASPCA provides the cheapest pet insurance for dogs across all age groups in most states, while Spot offers lower rates for cats nationwide. ASPCA leads pricing for middle-aged dogs in 50 states, but Spot dominates middle-aged cat coverage in 49 states.

Both providers offer meaningful pet insurance discounts to pet owners — recognizing that juggling veterinary bills is a key concern. Below is a comparison of their main discount options.

Spot delivers better customer experience than ASPCA, ranking second nationally for both dogs and cats compared to ASPCA's eighth-place position. Both providers maintain A+ BBB ratings, but Spot earns higher customer satisfaction with a 4.7 out of 5.0 Trustpilot score versus ASPCA's 3.7 rating, showing more consistent positive feedback from actual customers.

ASPCA offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot 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.

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

If you’re looking to enhance your pet’s financial protection beyond basic accident and illness coverage, both Spot and ASPCA offer optional wellness plans. Below are their add-on offerings.

• Wellness plan add-on: Covers routine services such as dental cleaning, vaccines, blood tests, spay/neuter, and flea/tick medication via the preventive-care add-on.
• Telehealth access & unlimited age enrolment: While not strictly an “add-on,” Spot allows older pets and provides 24/7 telehealth helpline support, which enhances care access for covered conditions.

• Preventive care coverage: Optional add-on plans “Basic” or “Prime” provide cash-back for routine services such as wellness exams, dental cleaning, vaccines, blood tests, flea/heartworm prevention and spay/neuter depending on tier.
• Behavioural & alternative therapy coverage: Included in base illness+accident plans—ASPCA supports behavioural issues and alternative therapies such as acupuncture in its core offering, not strictly as an add-on.

Choosing between Spot and ASPCA depends on your pet and priorities. Spot delivers better customer service, earning a 4.7 Trustpilot rating and A+ BBB rating, plus more comprehensive coverage options. ASPCA offers better value for dog owners with rates starting at $48 monthly for middle-aged dogs. However, Spot provides more affordable coverage for cats at $30 monthly for middle-aged felines.

Compare Spot and ASPCA pet insurance through these common questions:

Evaluating Spot versus ASPCA pet insurance required gathering quotes under identical conditions to ensure fair comparison. We analyzed both providers using the same pet profiles and policy specifications listed below.

• $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 then scored both companies using three primary factors weighted by their importance to pet owners.

Affordability (50% of score): We collected premium quotes across multiple coverage options and pet ages to assess typical monthly costs, including available discounts that affect actual pricing.

Customer Experience (30% of score): We analyzed Trustpilot ratings and online customer feedback to evaluate satisfaction levels with claims processing and customer support.

Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.