Head-to-Head Comparison
ASPCA vs. Pets Best
Trusted nonprofit brand vs. vet-founded value leader
Our Verdict
Pets Best edges ahead for most pet owners with stronger overall value. ASPCA may be the better choice for owners who prioritize its specific strengths.
ASPCA
3.9/5
Brand trust with competitive mid-tier pricing
Pets Best
4/5
Best value with low deductible options
Category-by-Category Breakdown
Coverage Limits
ASPCA
$5K–Unlimited
Pets Best
$5K–Unlimited
Both carriers offer comparable coverage limit options.
Monthly Premiums
ASPCA
$20–$75
Pets Best
$18–$65
Pets Best offers lower base premiums for most demographics.
Accident Waiting Period
ASPCA
14 days
Pets Best
3 days
Pets Best's 3 days accident waiting period is shorter.
Claims Speed
ASPCA
5–14 days
Pets Best
5–10 days
Both carriers have comparable claims processing times.
Financial Stability
ASPCA
Crum & Forster (A (Excellent))
Pets Best
American Pet Insurance Co. (A- (Excellent))
Both carriers have comparable financial stability ratings.
Wellness Coverage
ASPCA
Available
Pets Best
Available
Both carriers offer wellness coverage options.
Deductible Options
ASPCA
$100, $250, $500
Pets Best
$50–$500
Both carriers offer deductible options to fit different budgets.
Expert Take
Mike
Licensed Insurance Professional (AAI, PRC, SBCS, CCIC)
Two budget-friendly carriers competing for price-sensitive pet owners. Pets Best has the edge in plan variety — their accident-only plans start under $10/month, and their BestBenefit plans offer good coverage at competitive prices. ASPCA's pricing is comparable for standard plans but lacks the ultra-affordable accident-only option.
Pets Best's veterinary founder gives them credibility in understanding actual vet costs. ASPCA's brand recognition from the animal welfare organization builds emotional trust. Both carriers use Crum & Forster as their underwriter (through different arrangements), so financial backing is comparable.
Pets Best's claims processing has improved and is now competitive with ASPCA's. For most pet owners in this price range, Pets Best offers slightly better value due to more plan options and the accident-only entry point. ASPCA is a reasonable alternative if brand trust matters to you.
Get Your Free Quote
See how much you could save with our top-rated carrier.
Get a Free Healthy Paws QuoteRead the Full Reviews
Related Comparisons
Other head-to-head matchups involving ASPCA and Pets Best