Key Differences
Healthy Paws has a fixed annual limit. The annual limit with the ASPCA Pet Health Insurance Program is configurable up to $10,000.
The ASPCA Pet Health Insurance Program offers a preventative care coverage add-on. Healthy Paws does not.
Healthy Paws offers Direct Vet Pay on a claim-by-claim basis with prior approval, the ASPCA Pet Health Insurance Program does not.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans ASPCA Pet Health Insurance Program and Healthy Paws offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
7,711 |
4,991 |
Deductible: |
$100, $250, or $500 |
$100, $250, $500, $750, or $1,000* |
Reimbursement: |
70%, 80%, or 90% |
50%, 60%, 70%, 80%, or 90%* |
Annual Limit: |
$2,500 to $10,000 |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
15 days |
Varies by state (0 days or 15 days)** |
Illness Waiting Period: |
15 days |
15 days** |
Wellness Waiting Period: |
0 days |
Not available |
Orthopedic Waiting Period: |
14 days |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Yes |
No |
Direct Vet Pay: |
No |
Yes, with prior approval |
Claims Expiration: |
Within 270 days of treatment |
Within any time of the coverage period of your policy |
Claims Submission App: |
Yes |
Yes |
The ASPCA Pet Health Insurance Program Accident and Illness Coverage
The accident and illness coverage from the ASPCA Pet Health Insurance Program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $7,000, or $10,000
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Limited)
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
Preventative Care Coverage
The ASPCA Pet Health Insurance Program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Healthy Paws Accident and Illness Coverage
Healthy Paws, backed by Chubb, offers accident and illness coverage for dogs and cats in one easy-to-understand pet insurance policy. You can configure your reimbursement rate and deductible to fit your needs. There are no maximum annual or lifetime payouts. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$100, $250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70%, 80%, or 90%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for ASPCA Pet Health Insurance Program and Healthy Paws.
ASPCA Pet Health Insurance Program Claims Details
The ASPCA Pet Health Insurance Program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Healthy Paws Claims Details
With Healthy Paws, you can use any licensed veterinarian in the U.S. or Canada and submit your claims directly to their mobile app. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) at any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Most claims are processed within 2 days
Offers direct vet pay on a claim-by-claim basis with prior approval
Our ASPCA Pet Health Insurance Program vs. Healthy Paws Review
The ASPCA Pet Health Insurance Program and Healthy Paws offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. ASPCA offers an optional wellness coverage add-on, but Healthy Paws does not. As for unique coverage, Healthy Paws offers coverage that doesn’t have annual or lifetime payout caps. You can configure plans based on your pet's needs and budget with the ASPCA Pet Health Insurance Program and Healthy Paws. But there are some differences in customization to note, like the deductible and annual limit. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
