ASPCA vs Spot pet insurance

14 days

14 days (Spot says some states get a shorter accident wait)

14 days

14 days

14 days (ligament and knee conditions; no separate longer orthopedic period)

14 days (ligament and knee conditions; no separate longer period)

Excluded. Curable conditions cured and free of treatment and symptoms for 180 days become a new occurrence (not ligament/knee) (from a 2020 sample form; newer forms may be stricter on chronic conditions).

Excluded. Curable conditions free of treatment and symptoms for 180 days become a new occurrence (not chronic or ligament/knee).

Dental disease is not named as its own benefit; covered under general illness. Tooth extractions are a listed benefit; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded.

Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness (Gold/Platinum preventive add-ons pay toward cleanings); aesthetic, endodontic and orthodontic work and root planing excluded.

$2,500 / $3,000 / $4,000 / $5,000 / $7,000 / $10,000 / unlimited

Annual deductible; amount options not stated in policy

Annual. Options not in policy.

No upper age limit