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Healthy Paws vs. ASPCA Pet Insurance

Healthy Paws and the ASPCA are two of the best pet insurance providers in America. Here is a quick side-by-side comparison to help you choose the right plan for your pet.

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ASPCA Pet Insurance
Overall Rating ★★★★★ ★★★
Customer Satisfaction  98% 86%
Standard Coverage Accident, Illness
Accident, Illness
Optional Coverage None Wellness
Cost Get a Quote Get a Quote
Deductible $100, 250 or 500 $100, 250 or $500
Reimbursement 70, 80 or 90% 70, 80 or 90%
Annual Limit No limit
$5k to Unlimited
Pre-Existing Conditions No No
Waiting Period for Accidents 15 days 1 day
Waiting Period for Illnesses 15 days 14 days
Orthopedic Coverage 12 month waiting period for hip dysplasia, bilateral conditions not covered 14 days
Hereditary & Genetic Conditions No restrictions No restrictions
Chronic Conditions
Prescription Meds
Cancer Coverage
Dental Accidents only Accidents only
Pets Age No minimum, must be enrolled before 14 to be eligible, must be enrolled before 6 for hip dysplasia coverage. 8 weeks minimum, For illness coverage 12 years-old for dogs, 14 years-old for cats; No upper age limit for accident only coverage, dogs who are 9 years old and greater, and cats 11 years old and greater at initial enrollment are not eligible for Continuing Care, which covers ongoing conditions.

Pets younger than 6 years old require a veterinary exam in the 12 months prior to enrollment. Pets 6 years or older require a veterinary exam within the past 30 days.

May ask for veterinary records to clarify health issues. Must acknowledge that pre-existing conditions are not covered.

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“We submitted over $4k in claims to Healthy Paws and in less than 2 weeks we were reimbursed. So amazing!!!” - Brandon
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