Healthy Paws Pet Insurance vs. ASPCA
Healthy Paws’ track record speaks for itself: the company has been consistently rated as the #1 pet health insurance company in the US for four years in a row. ASPCA, on the other hand, offers something that Healthy Paws don’t – wellness coverage option.
This just goes to show that while both companies offer pet insurance, it pays to do some due diligence to see which one is better suited for your fur baby.
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| Price: | Get a Quote | Get a Quote |
|---|---|---|
| Overall Rating: | ||
| Total Reviews: | 4,174 | 6,145 |
| Deductible: | $100, $250 or $500 | $100, $250, or $500 |
| Reimbursement: | 70%, 80% or 90% | 70% - 90% |
| Annual Limit: | Unlimited | $2,500 - $10,000 |
| Company Profile: | Company Overview | Company Overview |
| Waiting Period for Accidents: | 15 days | 15 days |
| Waiting Period for Illnesses: | 15 days | 15 days |
| Waiting Period for Orthopedic Coverage: | 15 days* | 15 days |
| 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: | Excluded | Optional |
| Vet Restrictions: | None | None |
Two Great Options
Healthy Paws Pet Insurance and ASPCA Pet Health Insurance are both great options when considering coverage for your pet. The biggest difference between the two companies is that Healthy Paws offer accident and illness coverage and ASPCA offers accident and illness plus optional wellness care, so if you want coverage for routine preventative care then ASPCA would be a better option. On the other hand, if you just want to cover unexpected vet bills and pay routine annual care out of pocket then Healthy Paws would be a great fit.
Healthy Paws Review
Healthy Paws’ stellar performance is reflected in its enviable overall rating of 4.9/5.0 based on customer reviews. Its deductible rate range from $100 – $500 and reimbursement of 70% – 90%. Emergency care is covered in this provider’s plan, with a 15-day waiting period for both accidents and illnesses.
ASPCA Review
The majority of its customers are very satisfied with ASPCA’s service, giving the insurer an overall rating of 4.6/5.0. You can customize your pet’s insurance by choosing a deductible amount, which ranges from $100 to $500. Like most pet insurance, reimbursement is at 70% to 90%.
Unexpected situations don’t have to be daunting as the plan includes emergency care. There’s just a 14-day waiting period from the date of enrollment before accident and illness coverage is in force.
Coverage Comparison
One key difference between these two insurers is that Healthy Paws offers only one product, its simple yet comprehensive accident and illness plan. ASPCA, on the other hand, provides a customized plan and two levels of preventative care plans.
Price Comparison
In terms of price, Healthy Paws has one of the lowest premiums in the industry and they charge a one-time $25 enrollment fee. ASPCA, though not really on the low end of the pricing spectrum, makes up for it with the range of products that can be tailored to your pet’s needs. They charge a $2/month transaction fee but this is waived when you pay annually.
To really make sure you’re getting the coverage suited for your four-legged pal and you don’t pay more than you have to, get quotes from both of these companies. Key in essential details about your pet to get a free quote here.
Note: No pet insurance company covers pre-existing conditions.
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Healthy Paws Pet Insurance Enrollment Requirements
- 12-month waiting period for hip dysplasia*
- Must be enrolled before 6 for hip dysplasia coverage
- Minimum age: 8 weeks
- Maximum age: 14 years (4 years in New York state)
- A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination and the exam must have taken place either 12 months before the pet policy effective date or within 15 days following the pet policy effective date
- A pet 6 years old or older on the date of enrollment must have undergone a complete clinical examination within 30 days before the pet policy effective date or 15 days following the pet policy effective date
ASPCA Pet Insurance Enrollment Requirements
Enrollment Exam Requirements: There are no enrollment exam requirements.