Head-to-Head Comparison
ASPCA vs. Pets Best
Trusted nonprofit brand vs. vet-founded value leader
Last updated: March 2026 | Compared by Mike (AAI, PRC, SBCS, CCIC)
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.
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