Both Pets Best and ASPCA Pet Health Insurance offer comprehensive coverage for pets, including hereditary and congenital conditions. Pets Best stands out with its shorter waiting period for accident coverage and direct vet pay option. ASPCA Pet Health Insurance offers a higher discount for multiple pets and includes exam fees for covered conditions. The choice depends on individual priorities, such as the importance of direct vet pay, lower deductibles, or higher multi-pet discounts.
| Attribute | Pets Best | ASPCA Pet Health Insurance |
|---|---|---|
| Maximum annual payout limit | $5,000, $10,000, or unlimited | Ranges from $2,500 to $10,000. Unlimited annual coverage may be available upon discussion with ASPCA Pet Health Insurance. |
| Annual deductible options | $50, $100, $200, $250, $500, or $1,000. In California, a deductible up to $2,000 is available. | $100, $250, and $500. |
| Reimbursement percentage options | 70%, 80%, or 90%. Note that 50% and 60% reimbursement levels may be available in California. | 70%, 80%, or 90%. Some policies offer 100% reimbursement. |
| Coverage for hereditary conditions | Yes | Yes. |
| Coverage for congenital conditions | Yes | Yes. |
| Waiting period for accident coverage | 3 days in most states. Depending on the state, a 0-day waiting period may apply. | 14 days. |
| Waiting period for illness coverage | 14 days | 14 days. |
| Coverage for exam fees | Optional; available with Plus and Elite plans, but not Essential plans. | Yes, when the exam is for a covered condition. |
| Coverage for alternative therapies | Available with the Elite accident-and-illness plan, which covers chiropractic care, acupuncture, cold laser therapy, physical therapy, and hydrotherapy. | Yes. |
| Direct vet pay option | Yes | No. |
| 24/7 vet helpline availability | Yes. This helpline provides access to veterinary experts via live chat, phone, and email. | Not specified, but customer service is available Monday to Friday, 8 am to 8 pm Eastern time. Access to 24/7 telehealth service for senior dogs. |
| Discounts for multiple pets | Yes, a 5% discount is available for enrolling multiple pets on BestBenefit plans. | Yes, a 10% discount is offered for each additional pet. |
| Price | Not available | Not available |
| Ratings | Not available | Not available |