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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.
|Standard Coverage||Accident, Illness
|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
|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|
|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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Pet insurance pays up to 90% for veterinary treatment when your dog or cat gets sick or injured.