ASPCA comes out ahead for dog owners, with lower rates than Spot per MoneyGeek's analysis. Cat owners get a better deal with Spot, which charges less and earns higher marks for customer experience and coverage breadth. For stronger service and more complete financial protection, Spot is the better pet insurance pick overall.
Spot vs. ASPCA Pet Insurance
Updated: March 16, 2026
Advertising & Editorial Disclosure
Spot vs. ASPCA Pet Insurance: Key Takeaways
Spot offers cat insurance at $30 per month, slightly below ASPCA’s $31 rate. For dogs, ASPCA is marginally cheaper at $48 per month, compared to Spot at $49.
Spot rates higher for customer experience, earning a 4.7 out of 5 on Trustpilot and 45% positive feedback on Reddit. Pet owners often point to quick claims and responsive support as reasons for their satisfaction.
Both companies place eighth nationally for coverage and share the same waiting periods and reimbursement options. The main difference comes down to parasite care: Spot covers treatment, while ASPCA limits coverage to preventive services only.
Is Spot or ASPCA Pet Insurance Better?
| Cat | Affordability | Spot | 4 | 7 |
| Dog | Affordability | ASPCA | 2 | 9 |
| Cat | Coverage | Spot | 8 | 8 |
| Dog | Coverage | Spot | 8 | 8 |
| Cat | Customer Experience | Spot | 2 | 6 |
| Dog | Customer Experience | Spot | 2 | 6 |
| Cat | Overall Score | Spot | 2 | 9 |
| Dog | Overall Score | ASPCA | 5 | 6 |
How We Decided the Winning Pet Insurance Provider
All scores reflect average pricing and customer experience data for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, using a $500 deductible, a $5,000 annual limit and an 80% reimbursement rate.
See how leading pet insurance providers compare based on your pet’s needs:
Spot and ASPCA Comparison by State
Spot wins against ASPCA as the best pet insurance company for cats in all 50 states. ASPCA leads for dog insurance in 38 states, while Spot comes out ahead in the remaining 12 states, including California, Florida, New Jersey, South Carolina and Washington.
Data filtered by:
Select
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Spot vs. ASPCA Pet Insurance Cost
Based on our study, ASPCA costs less for dog owners at most life stages, while Spot runs cheaper for cats. Pet insurance costs between the two diverge most at the senior end, where the price gap between providers widens.
- Kittens: Spot costs $14 monthly compared to ASPCA's $14, saving you 3% or about $4 annually for your youngest feline.
- Puppies: ASPCA charges $25 per month while Spot costs $25, giving you 2% savings or roughly $6 per year with ASPCA.
- Young cats: You'll pay $19 monthly with Spot versus $20 with ASPCA, translating to 2% savings or $6 annually.
- Young dogs: ASPCA wins at $31 per month compared to Spot's $32, saving you 2% or about $7 yearly.
- Middle-aged cats: Spot charges $30 monthly while ASPCA costs $31, offering 2% savings or roughly $9 per year.
- Middle-aged dogs: ASPCA offers the better deal at $48 monthly versus Spot's $49, saving you 2% or $11 annually.
- Senior cats: Spot costs $72 per month compared to ASPCA's $74, giving you 2% savings or approximately $19 yearly.
- Senior dogs: ASPCA charges $116 monthly while Spot costs $118, translating to 2% savings or about $29 per year with ASPCA.
Data filtered by:
Select
| Kittens | Spot | $14 | 3% |
| Young Cats | Spot | $19 | 2% |
| Puppies | ASPCA | $25 | 2% |
| Middle Aged Cats | Spot | $30 | 2% |
| Young Dogs | ASPCA | $31 | 2% |
| Middle Aged Dogs | ASPCA | $48 | 2% |
| Senior Cats | Spot | $72 | 2% |
| Senior Dogs | ASPCA | $116 | 2% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Spot vs. ASPCA Pet Insurance Cost by State
ASPCA provides the cheapest pet insurance for dogs across all age groups nationwide. Spot offers lower rates for all cat age groups in 49 states, with ASPCA consistently taking the lead in South Carolina.
Data filtered by:
Middle Aged Dogs
| Alabama | ASPCA | $35 | 2% |
| Alaska | ASPCA | $47 | 2% |
| Arizona | ASPCA | $58 | 2% |
| Arkansas | ASPCA | $32 | 2% |
| California | ASPCA | $60 | 2% |
| Colorado | ASPCA | $60 | 2% |
| Connecticut | ASPCA | $55 | 2% |
| Delaware | ASPCA | $48 | 2% |
| Florida | ASPCA | $54 | 2% |
| Georgia | ASPCA | $43 | 2% |
| Hawaii | ASPCA | $48 | 2% |
| Idaho | ASPCA | $48 | 2% |
| Illinois | ASPCA | $59 | 2% |
| Indiana | ASPCA | $43 | 2% |
| Iowa | ASPCA | $40 | 2% |
| Kansas | ASPCA | $44 | 2% |
| Kentucky | ASPCA | $38 | 2% |
| Louisiana | ASPCA | $39 | 2% |
| Maine | ASPCA | $58 | 2% |
| Maryland | ASPCA | $47 | 2% |
| Massachusetts | ASPCA | $62 | 2% |
| Michigan | ASPCA | $48 | 2% |
| Minnesota | ASPCA | $50 | 2% |
| Mississippi | ASPCA | $41 | 2% |
| Missouri | ASPCA | $38 | 2% |
| Montana | ASPCA | $40 | 2% |
| Nebraska | ASPCA | $43 | 2% |
| Nevada | ASPCA | $50 | 2% |
| New Hampshire | ASPCA | $56 | 2% |
| New Jersey | ASPCA | $54 | 2% |
| New Mexico | ASPCA | $42 | 2% |
| New York | ASPCA | $52 | 2% |
| North Carolina | ASPCA | $43 | 2% |
| North Dakota | ASPCA | $37 | 2% |
| Ohio | ASPCA | $44 | 2% |
| Oklahoma | ASPCA | $40 | 2% |
| Oregon | ASPCA | $59 | 2% |
| Pennsylvania | ASPCA | $50 | 2% |
| Rhode Island | ASPCA | $42 | 2% |
| South Carolina | ASPCA | $45 | 1% |
| South Dakota | ASPCA | $42 | 2% |
| Tennessee | ASPCA | $44 | 2% |
| Texas | ASPCA | $51 | 2% |
| Utah | ASPCA | $46 | 2% |
| Vermont | ASPCA | $45 | 2% |
| Virginia | ASPCA | $51 | 2% |
| Washington | ASPCA | $55 | 2% |
| West Virginia | ASPCA | $41 | 2% |
| Wisconsin | ASPCA | $51 | 2% |
| Wyoming | ASPCA | $44 | 2% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Spot vs. ASPCA Pet Insurance Discounts
ASPCA offers more pet insurance discounts than Spot, with four savings opportunities compared to Spot's three. Both providers match on multiple pet, association and employer discounts at 10% each, but ASPCA pulls ahead with an exclusive 10% veterinary staff discount.
Multiple pets | Save 10% on each additional pet’s premium when enrolling multiple pets. | Receive 10% discount for each additional pet enrolled. |
Association | Members of American Automobile Association (AAA) and Blue Cross Blue Shield access 10% savings on pet insurance. | Members of certain associations, such as REALTOR benefits programs, save 10% on pet insurance. |
Employer group plan | Get 10% off for joining a participating employer's group plan. | Get 10% off for joining a participating employer's benefit program. |
Veterinary staff | None. | 10% off for those working as an employee at a veterinary practice. |
Spot vs. ASPCA Pet Insurance Customer Experience
Spot provides better customer experience than ASPCA, winning by four spots in our national ranking. Both companies earn A+ ratings from the Better Business Bureau, though Spot holds a higher Trustpilot score and stronger positive sentiment on Reddit.
Spot vs. ASPCA Trustpilot ratings
Spot outperforms ASPCA on Trustpilot with a 4.7 out of 5 rating compared to ASPCA's 3.6 out of 5. Spot customers praise fast claim processing (often within a week) and helpful customer service, though some complaints mention pre-existing condition denials. ASPCA receives mixed feedback: positive reviews highlight easy app submissions and quick reimbursements, while negative reviews cite slow service, claim denials and difficulties canceling policies.
Spot vs. ASPCA BBB ratings
Spot holds an A+ BBB rating, which is similar to ASPCA's A+ rating. The A+ rating means both companies meet BBB accreditation standards and handle customer complaints effectively.
Spot vs. ASPCA Pet Insurance Reddit sentiment
We analyzed Reddit discussions and found Spot received 45% positive feedback from 29 total comments, while ASPCA scored 36% positive sentiment from 11 comments. Reddit users praise Spot for quick claim processing and responsive customer service, though complaints focus on pre-existing condition denials and coverage limitations. ASPCA receives mixed feedback, where positive reviews highlight helpful representatives and clear policy language, while negative comments criticize slow claim processing and unexpected coverage exclusions.
Spot vs. ASPCA Pet Insurance Coverage
Spot and ASPCA are in equal standing for pet insurance coverage, ranking eighth nationally for cats and dogs. They offer nearly identical coverage, though Spot has more options for deductibles and annual limits. Spot also includes parasite treatment in its base policy, while ASPCA only covers prevention through its optional add-on.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $100, $250, $500 | |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | $2,500, $3,000, $5,000, $7,000, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
14 days for accidents, illnesses and orthopedic conditions | 14 days for accidents, illnesses and knee or ligament conditions | |
Age restrictions | No upper age limits for enrollment | No upper age restrictions for enrollment |
Pre-existing conditions | Curable pre-existing conditions may be covered after 180 symptom-free days | Curable pre-existing conditions may qualify for coverage after 180 symptom-free days |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. ASPCA Pet Insurance Add-ons
Both Spot and ASPCA offer one optional add-on that focuses on routine care, though they differ in coverage and tiers.
- Gold wellness plan: Provides coverage for dental cleaning, wellness exams, vaccines, heartworm tests, deworming and fecal tests, with up to $250 in annual benefits.
- Platinum wellness plan: Features all Gold benefits, plus spay/neuter procedure, additional vaccines, health certificates, urinalysis, blood tests and flea/heartworm prevention with higher reimbursements.
- Basic preventive care plan: Reimburses the cost of wellness exams, routine vaccines, dental cleaning, heartworm testing, deworming and fecal testing.
- Prime preventive care plan: Includes all Basic plan benefits and adds spay/neuter procedures, urinalysis, additional vaccines, blood tests and health certificates in its coverage.
Spot vs. ASPCA Pet Insurance: Bottom Line
The right choice between Spot and ASPCA comes down to your pet and what matters most to you. Spot offers lower rates for cats, while ASPCA is the more affordable option for dogs. Beyond pricing, Spot earns higher marks for customer experience and provides broader coverage, which may appeal to pet owners who want dependable service and well-rounded financial protection.
Review other leading pet insurance providers to find the right fit for your pet:
Spot vs. ASPCA Pet Insurance Comparison: FAQ
Compare Spot and ASPCA pet insurance through these common questions:
Which is better: Spot vs. ASPCA pet insurance?
Spot wins for cat owners with lower rates and broader coverage, while ASPCA offers better affordability for dog owners. Spot also ranks second nationally for customer experience with a 4.7 out of 5 Trustpilot rating compared to ASPCA's 3.6 out of 5, which makes Spot the ideal choice for those who want excellent service.
What are the main coverage differences between Spot and ASPCA pet insurance?
Spot and ASPCA have nearly identical coverage, though Spot has more deductibles and annual limits. Spot also includes parasite treatment in its standard policy, while ASPCA only covers prevention through its optional wellness plan.
Is Spot or ASPCA Pet Insurance more affordable?
ASPCA costs less for all dog age groups, charging $48 monthly for middle-aged dogs versus Spot's $49 monthly. Meanwhile, Spot is more affordable for all cat age groups, with monthly rates starting at $30 for middle-aged cats compared to ASPCA's $31.
How do reimbursement rates compare between Spot and ASPCA pet insurance?
Both Spot and ASPCA offer reimbursement rates of 70%, 80% and 90%, giving you similar flexibility to customize your plan.
Does Spot vs ASPCA cover pre-existing conditions?
Both Spot and ASPCA include a curable condition clause, which means if a pre-existing condition is curable, cured and free from treatment for 180 days, it may become eligible for coverage if it reoccurs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- Trustpilot. "Spot Pet Insurance ." Accessed March 25, 2026.
- Trustpilot. "ASPCA Pet Health Insurance ." Accessed March 25, 2026.
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed March 25, 2026.
- Better Business Bureau. "PTZ Insurance Agency, Ltd." Accessed March 25, 2026.