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 »  » ASPCA Pet Health Insurance program vs. Fetch
# ASPCA Pet Health Insurance program vs. Fetch
The ASPCA Pet Health Insurance program and Fetch Pet Insurance are both highly respected brands in the American pet insurance market. Both ASPCA and Fetch offer a fully customizable plan with optional wellness coverage add-ons. Before you choose a plan, get quotes from each company to see how much you will pay for your pet!
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|  |  |  |
| --- | --- | --- |
| Price: |  |  |
| Overall Rating: |  |  |
| Total Reviews: | 8,361 | 23,183 |
| Deductible: | $100, $250, or $500 | $300, $500, $700 |
| Reimbursement: | 70% - 90% | 70%, 80%, 90% |
| Annual Limit: | $2,500 - $10,000 | $5K - Unlimited |
| Company Profile: |  |  |
| Waiting Period for Accidents: | 15 days | up to 15 days |
| Waiting Period for Illnesses: | 15 days | up to 15 days |
| Waiting Period for Orthopedic Coverage: | 15 days | 6 months for knees (can be waived)\*\* |
| Emergency Care: | Included | Included |
| Accidents: | Included | Included |
| Illnesses: | Included | Included |
| Cancer Coverage: | Included | Included |
| Orthopedic Issues: | Included | Included |
| Hereditary Conditions: | Included | Included |
| Chronic Conditions: | Included | Included |
| Prescription Meds: | Included | Included |
| Wellness Coverage: | Optional | Optional |
| Vet Restrictions: | None | None |
## Can’t Go Wrong Either Way
Fetch is a very simplified, affordable, and reputable pet insurance company that has great customer ratings. Serving customers for well over a decade, Fetch is also well known for its customer service. ASPCA pet insurance offers a variety of plans to choose from and is one of the most highly respected pet insurance brands in the United States.
## ASPCA Pet Health Insurance Program
The ASPCA Pet Health Insurance Program offers different plans to suit your pet’s needs and your budget, including Complete Coverage, Accident-Only Coverage, and Preventative Care Coverage. They also offer wellness coverage as an option, as well as a 30-day money-back guarantee and the ability for you to visit any veterinarian in the US or Canada without out-of-network fees.
* View the 
* Deductible: $150 – $500
* Reimbursement: 70% – 90%
* Emergency Care: Included
* Waiting period for accidents: 14 days
* Waiting period for illnesses: 14 days
## Fetch Pet Insurance
Fetch offers the most comprehensive coverage. ASPCA has limited or no coverage when it comes to boarding in the event of hospitalization, holistic treatments, and more. Offering a straightforward plan that covers any illnesses, unexpected health issues, and accidents, Fetch Pet Insurance also lets you customize your coverage with additional options if desired. Any pets six weeks of age or older are welcome, and your policy will never be canceled due to a pet’s age, health, or claim history.
* View the Fetch
* Deductible Options: $300, $500, $700
* Reimbursement: 70%, 80%, 90%
* Waiting period for accidents: Up to 15 days
* Waiting period for illnesses: Up to 15 days
### Coverage Comparison
With the ability to customize Fetch and ASPCA plans, you can get full, complete coverage or less if desired. Plus, both providers offer the ability to support your coverage with optional wellness add-ons.
### Price Comparison
Both pet insurance brands are top-rated and a good choice. If you want more customizable options, you can go with ASPCA, or you can pick a more straightforward plan from Fetch, which also costs less.
**Compare ASPCA**
**Compare Fetch**
**Additional Content**
## ASPCA Pet Insurance Enrollment Requirements
Enrollment Exam Requirements: There are no enrollment exam requirements.
## Fetch Pet Insurance Enrollment Requirements
\*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.
\*\*Orthopedic Health Issues
* 6-month waiting period for cruciate ligaments and patellar luxation
* The illness and accident waiting period is up to 15 days and applies to other orthopedic conditions
* The exclusionary period for knees can be waived with a healthy knee exam or check at the vet while the policy is in force
* A 30-day waiver is available
* Cruciate injuries and illnesses are coverable, but there is a six-month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days
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 »  » Pets Best Insurance vs. ASPCA
# Pets Best Insurance vs. ASPCA
Pets Best and ASPCA Pet Health Insurance are both great options. Each company offers excellent accident and illness plans as well as optional preventative care coverage. Both companies are price competitive but if you have more than one pet ASPCA offers a 10%  and Pets Best offers a 5% break.
Whichever plan you choose make sure to enroll while your dog or cat is young and healthy!
| Total Reviews: | 22,827 | 8,361 |
| Deductible: | $50 - $1,000 | $100, $250, or $500 |
| Reimbursement: | 70% - 90% | 70% - 90% |
| Annual Limit: | $5,000 - Unlimited | $2,500 - $10,000 |
| Waiting Period for Accidents: | 3 days\* | 15 days |
| Waiting Period for Illnesses: | 14 days | 15 days |
| Waiting Period for Orthopedic Coverage: | 14 days\*\* | 15 days |
## ASPCA vs. Pet’s Best Pet Insurance
Both Pet’s Best and ASPCA pet insurance are excellent choices for pet insurance. Both companies offer excellent accident and illnesses coverage – ASPCA allows you to pick a plan that suits your pet’s needs and your budget, while Trupanion offers one simplified plan that covers everything.
### ASPCA Pet Insurance
The ASPCA pet insurance brand offers you a number of different coverage options to choose from. Also appealing is the fact that you can take your pets to any vet in the United States or Canada without having to worry about out-of-network fees.
* Deductible: $100 – $500
* Waiting period for accidents/Illnesses: 14 days/14 days
### Pet’s Best Pet Insurance
As one of the most highly rated pet insurance brands in the industry, Pet’s Best offers a number of plans to suit your pet’s needs and your budget. Flexible coverage options and no annual or lifetime limits makes Pet’s Best a popular choice.
* Deductible: $50 – $1,000
* Waiting Period
  *All states except Maine*:
  + Accidents: 3 days
  + Illnesses: 14 days
  + Cruciate Ligament Conditions: 6 months
  + Routine Care: 0 days
    *Maine Only*
* + Accidents: 0 days
  + Cruciate Ligament Conditions: 30 days
Each company offers excellent accident and illness plans as well as optional preventative care coverage. They both also offer wellness coverage as an option and both companies are price competitive, but if you have more than one pet ASPCA offers a 10% multi-pet discount and Pet’s Best offers a 5% break.
You can’t go wrong with either Pet’s Best and ASPCA pet insurance—the flexibility offered by both brands ensure you can easily select the insurance options that are right for your pet. Review each brand for the additional features to see which option is better for for you.
## Compare Pets Best
**Related Pages**
## Pets Best Insurance Enrollment Requirements
A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.
*\* 3-day waiting period for accidents in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for accidents is 0 days. See below for further details:*
**Waiting Periods for Most States:**
* Accidents: 3 days
* Illnesses: 14 days
* Cruciate Ligament Conditions: 6 months
* Routine Care: 0 days
**Waiting Periods for Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington**
* Accidents: 0 days
* Cruciate Ligament Conditions: 30 days
**Waiting Periods for North Dakota Only**
*\*\* 6-month waiting period for cruciate ligaments in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for cruciate ligaments is 30 days.*
Additional Note: Pets must be at least 7 weeks old at the time of enrollment; there is no upper age limit for enrollment
 »  » ASPCA Pet Health Insurance vs. Trupanion
# ASPCA Pet Health Insurance vs. Trupanion
Both Trupanion and ASPCA pet insurance are reputable, highly respected pet insurance brands. Both companies offer excellent accident and illnesses coverage – ASPCA allows you to pick a plan that suits your pet’s needs and your budget, while Trupanion offers one simplified plan that covers everything.
| Total Reviews: | 8,361 | 9,596 |
| Deductible: | $100, $250, or $500 | $0 - $1,000 |
| Reimbursement: | 70% - 90% | 90% |
| Annual Limit: | $2,500 - $10,000 | Unlimited |
| Waiting Period for Accidents: | 15 days | 5 days |
| Waiting Period for Illnesses: | 15 days | 30 days |
| Waiting Period for Orthopedic Coverage: | 15 days | 30 days |
| Wellness Coverage: | Optional | Excluded |
## Variety vs. Simplicity
ASPCA Pet Health Insurance and Trupanion are two of the most respected providers in America.
ASPCA’s pet insurance plan is underwritten and administered by Crum & Forster, which is a subsidiary of Fairfax Holdings and one of the oldest and most stable insurance underwriters in North America.
Trupanion is a publicly traded company and they do their own underwriting under the American Pet Insurance Company title.
When it comes to coverage, both companies offer excellent accident and illnesses coverage (standard). The biggest differences between the two is that ASPCA offers optional wellness care coverage and ASPCA allows you to choose a reimbursement percentage.
## ASPCA Pet Health Insurance
The ASPCA pet insurance brand lets you choose the type of insurance coverage you need the most so that you don’t need to spend extra on coverage you don’t. With ASPCA pet insurance, you can visit any vet in the United States or Canada, and they also offer a 30-day money-back guarantee.
## Trupanion Pet Insurance
Trupanion was founded and is run by pet lovers. Since its inception in 2000, it has become one of the fastest growing pet insurance brands in North America. They offer vet direct pay, do not cap coverage with a payment of 90% of your claims, and provide 24/7 customer care.
* Deductible: $0 – $1,000
* Reimbursement: 90%
* Waiting period for accidents/Illnesses: 5 days/30 days
Both ASPCA and Trupanion offer plans that cover all accidents and illnesses. However, wellness coverage is not offered as an option with Trupanion, whereas with ASPCA pet insurance it is. Both have no vet restrictions.
The biggest difference between Trupanion and ASPCA pet insurance is that ASPCA offers optional wellness care coverage and allows you to choose a reimbursement percentage. Trupanion is the only pet insurance company that is publicly traded.
## Compare ASPCA Pet Health Insurance
## Compare Trupanion
**Related Content**
## Trupanion Pet Insurance Enrollment Requirements
**Trupanion Enrollment Requirements**
You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.