Compare ASPCA® Pet Health Insurance vs. Healthy Paws
Healthy Paws insurance requires that your pet has a complete physical exam before they will reimburse any claims. ASPCA Pet Health Insurance covers any pet regardless of health conditions and does not require an exam before you can get reimbursed for claims. Healthy Paws also does not offer coverage for exam fees, behavioral conditions, or prescription food, which is all included in ASPCA Pet Health Insurance Complete CoverageSM.
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| Reimbursement | Choice of 90%, 80% or 70% of covered vet costs |
Options vary based on age of pet: 8 and up: 50% 6 to 7: 70% 4 to 5: 80% or 70% 3 and younger: 90%, 80%, 70% |
| Type of Deductible | Annual | Annual |
| Unlimited Plan Available | Yes | Yes |
| Illness Waiting Period | 14 Days | 15 Days |
| Accident Waiting Period | 14 Days | 15 Days |
| Preventive Care | Optional add-on | No |
| Coverage Includes: | ||
| Exam Fees | Yes | No |
| Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. | Yes | Yes |
| Prescription Medications | Yes | Yes |
| Hereditary and Congenital Conditions | Yes | Yes, though pets enrolled after age 6 are not eligible for hip dysplasia coverage |
| Alternative Therapies | Yes | Yes |
| Behavioral Issues | Yes | No |
| Dental Illnesses | Yes | No |
| Chronic Conditions | Yes | Yes |
| Specialists | Yes | Yes |
| Stem Cell Treatments | Yes | No |
| Prescription Food & Supplements To treat a covered condition (not for general maintenance or weight management) |
Yes | No |
| Microchip | Yes | No |
| No Vaccination Requirements for Coverage of Certain Conditions | Yes | No |
| Multiple Pet Discount | 10% for each additional pet | No |
| Upper Age Limits for Illness Coverage Enrollment This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age. |
None | Dogs: 14 Cats: 14 |
| All Pets Eligible, Regardless of Health | Yes | Yes, but exam required within 12 months for pets 5 and under and within 30 days for pets 6 or older |
| Accident-Only Plan Available for All Pets | Yes | No |
| Money Back Guarantee | 30 Days* | 30 Days |
| Experience | The agency that provides ASPCA Pet Health Insurance was founded in 1997. | Healthy Paws started selling plans in 2010. |
| Better Business Bureau Rating | A+ | A+ |
Healthy Paws Insurance Plan Comparison
Healthy Paws pet insurance has some big differences from ASPCA® Pet Health Insurance plans that you should consider carefully when you’re shopping for a pet insurance plan.
Enrollment Exam Requirements
The Healthy Paws insurance policy requires that all pets less than six years old undergo a complete clinical examination either 12 months before or 15 days after your policy effective date. The same goes for pets who are six years old or more, but the examination must be done 30 days before or 15 days after the effective date.
You’ll need to provide Healthy Paws with documentation of this exam plus a copy of your pet’s full medical history when you file your first claim. If they don’t get this information, payment of your claim could be affected. With ASPCA® Pet Health Insurance plans, you do not have to show proof of a physical exam or submit your pet’s previous medical history to enroll.
Preventive Care
ASPCA® Pet Health Insurance plans allow you to add preventive care coverage to your plan at a low additional cost. It can help you manage the costs of wellness services, such as an annual exam, vaccines, and heartworm preventatives. Healthy Paws does not offer this coverage. Even if you don’t intend to sign up for this coverage when you first enroll, you may decide you’d like to add it in the future.
Hereditary and Congenital Conditions
Both Healthy Paws and ASPCA® Pet Health Insurance plans have coverage for hereditary and congenital conditions with one significant difference. Healthy Paws does not cover hip dysplasia for pets who are over six years old when they are enrolled. ASPCA® Pet Health Insurance plans cover hip dysplasia no matter how old your pet is when they are enrolled.
Behavioral Conditions
Healthy Paws does not have coverage for behavioral conditions. These conditions, which can include symptoms such as destructive chewing, excessive barking, and other obsessive behaviors, can be harmful to your pet and disruptive to the whole household. That’s why ASPCA® Pet Health Insurance plans cover the diagnosis and treatment of behavioral conditions.
Prescription Food and Supplements
Prescription food and supplements can be helpful to dogs with certain health conditions. With ASPCA® Pet Health Insurance coverage, you can get reimbursed for them when used to treat a covered condition (not for general maintenance or weight management). Healthy Paws does not offer this type of coverage.
Multiple Pet Discount
If you currently have more than one pet or think you may add a new pet to your family in the future, you’ll be happy to know that the ASPCA® Pet Health Insurance program has a 10% multiple pet discount for each pet after your most expensive pet. Healthy Paws does not have any discounts for insuring multiple pets.
*We offer a 30-day money-back guarantee if no claims are filed; 15-days in LA and ME. Not available in NY.
Comparison information is provided using publicly available information as of 2/1/21 and is only meant to summarize program features, not a specific plan.
Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.
Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).
The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.
