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ASPCA vs. Healthy Paws Pet Insurance Comparison 2022: Which is Best?

Nicole Cosgrove Profile Picture

By Nicole Cosgrove

aspca vs healthy paws

In This Review: ASPCA Overview | Healthy Paws Overview | Plans & Pricing | Deductibles & Claims | Verdict

There are a lot of pet insurance companies out there, and it can be tough to decide which one is right for you and your furry friend. In this blog post, we will compare ASPCA pet insurance to Healthy Paws pet insurance to help you make the best decision possible. Both of these companies offer a wide variety of coverage options, so you’re sure to find the perfect plan for your needs.

Best Overall
Our rating: 4.9 / 5
Best Coverage Limit
Our rating: 4.8 / 5

A Quick Comparison

Before we jump into the big comparison, here’s a brief look at both insurance companies side by side:

Company Name ASPCA Healthy Paws
Pets Covered Cats & Dogs Cats & Dogs 14 years old or younger at time of enrollment
Types of Plans Complete Coverage or Accident Only One plan that covers accidents and long-term treatment such as chemotherapy
Deductibles $100, $250, or $500 annually $100, $250, or $500 annually
Reimbursement 70-90% 70-90%
Additional Perks Optional Preventative coverage add-on for only $10 or $25 each month No maximum payouts

Brief Overview of ASPCA

ASPCA Pet Health Insurance

Pros
  • Offers a wide variety of coverage options
  • Coverage is administered by VPI, one of the oldest and largest pet insurance companies in the United States
  • Plans have a $250 deductible
  • Coverage ranges from 70% to 100%
Cons
  • Some customers have complained that claims are often denied
  • Some customers have also said that customer service is not very helpful

ASPCA began offering pet insurance in 2006 as a way to help pet owners cover the cost of veterinary care. ASPCA pet insurance is administered by Veterinary Pet Insurance Company (VPI), one of the oldest and largest pet insurance companies in the United States.

ASPCA Levels of Coverage

ASPCA pet insurance offers three different levels of coverage: Essential, Preferred, and Elite. Essential coverage includes accidents and illnesses, while Preferred and Elite plans also cover routine care. All three plans offer a wide variety of deductibles and copayments, so you can tailor your coverage to fit your budget.

How Much Does ASPCA Pet Insurance Cost?

ASPCA pet insurance plans start at $19 per month for Essential coverage, $29 per month for Preferred coverage, and $39 per month for Elite coverage.

How to Get ASPCA Pet Insurance

You can get ASPCA pet insurance through the company’s website, over the phone, or through a pet insurance broker.

ASPCA Pet Insurance Discounts

ASPCA offers a variety of discounts, including a multi-pet discount, a military discount, and a loyalty discount.

ASPCA Premiums

ASPCA pet insurance plans have a $250 deductible, and coverage ranges from 70% to 100%, depending on the plan you choose.

Premiums start at $20 per month for the Essential plan and go up to $70 per month for the Elite plan.

How Are ASPCA Claims Handled?

ASPCA pet insurance claims are handled by VPI. You can submit your claim online, by mail, or over the phone.

ASPCA: What’s the Bottom Line?

ASPCA pet insurance is a great option for pet owners who are looking for comprehensive coverage at an affordable price. With three different plans to choose from and a wide variety of coverage options, you’re sure to find the perfect plan for your needs.


Brief Overview of Healthy Paws

healthy paws logo

Pros
  • Offers a wide variety of coverage options
  • Coverage is administered by Embrace, one of the oldest and largest pet insurance companies in the United States
  • Plans have a $250 deductible
  • Coverage ranges from 70% to 90%
Cons
  • Some customers have complained that claims are often denied

Healthy Paws was founded in 2009 with the mission of providing the best possible pet insurance for dogs and cats. Healthy Paws is administered by Embrace Pet Insurance, another one of the largest and oldest pet insurance companies in the United States.

Healthy Paws Levels of Coverage

Healthy Paws pet insurance also offers three levels of coverage: Basic, Plus, and Premium. Basic coverage includes accidents and illnesses, while Plus and Premium plans also cover routine care. Like ASPCA, Healthy Paws offers a variety of deductibles and copayments to fit your budget.

How to Get Healthy Paws Pet Insurance

You can get Healthy Paws pet insurance through the company’s website, over the phone, or through a pet insurance broker.

Healthy Paws Pet Insurance Discounts

Healthy Paws offers a variety of discounts, including a multi-pet discount, a military discount, and a loyalty discount.

Healthy Paws Premiums

Healthy Paws pet insurance plans have a $250 deductible, and coverage ranges from 70% to 90%, depending on the plan you choose.

Premiums start at $25 per month for the Essential plan and go up to $85 per month for the Elite plan.

How Are Healthy Paws Claims Handled?

Healthy Paws pet insurance claims are handled by Embrace. You can submit your claim online, by mail, or over the phone.

Healthy Paws: What’s the Bottom Line?

Healthy Paws pet insurance is a great option for pet owners who are looking for comprehensive coverage at an affordable price. With two different plans to choose from and a wide variety of coverage options, you’re sure to find the perfect plan for your needs.


Other Top-Rated Pet Insurance Companies

Most Customizable
Our rating: 4.4 / 5
Best Wellness Plans
Our rating: 4.0 / 5
Best Dental Coverage
Our rating: 4.8 / 5

ASPCA vs. Healthy Paws: Plans Available

Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
ASPCA $34.60 $18.94 Click to Get Quote
Healthy Paws $45.88 $21.42 Click to Get Quote

ASPCA

ASPCA offers three different plans: Major Medical, Wellness, and Emergency Care. Major Medical covers unexpected accidents and illnesses, Wellness covers routine care and preventive services, and Emergency Care covers unexpected accidents and illnesses that require immediate treatment.

What Each Plan Covers

Here’s what you get on the different levels of care.

Major Medical:
  • Accidents
  • Illnesses
  • Hospitalization
  • Surgery
  • Medications
  • Diagnostic tests
  • X-rays
Wellness:
  • Routine care
  • Preventive services
  • Emergency Care:
  • Accidents
Illnesses:
  • Hospitalization
  • Surgery
  • Medications
  • Diagnostic tests
  • X-rays

Healthy Paws

Healthy Paws offers two plans: Essential and Elite. Essential covers unexpected accidents and illnesses, while Elite covers routine care, preventive services, and alternative therapies in addition to accidents and illnesses.

What Each Plan Covers

Here’s what you get on the different levels of care.

Essential:
  • Accidents
  • Illnesses
  • Hospitalization
  • Surgery
  • Medications
Elite:
  • Routine care
  • Preventive services
  • Alternative therapies
  • Accidents
  • Illnesses

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ASPCA vs. Healthy Paws: Reimbursements and Deductibles

For both companies applies, that they have annual deductible options of $100, $250, or $500. If your annual deductible is higher, your cost per month will be lower, and vice-versa. ASPCA and Healthy Paws also both offer 70-90% reimbursement options. If you choose a greater reimbursement option, then your monthly fee will also be higher.

ASPCA

% of Medical Expenses
  • 70%
  • 80%
  • 90%
Annual Deductible Options
  • $100
  • $250
  • $500
Maximum Coverage Options
  • $3,000
  • $4,000
  • $5,000
  • $7,000
  • $10,000

The only difference in reimbursements between ASPCA and Healthy Paws is that ASPCA caps its maximum yearly payouts between $3,000 and $10,000. Healthy Paws doesn’t have a limit like that, although their coverage is comparatively limited.

Healthy Paws

% of Medical Expenses
  • 50%
  • 60%
  • 70%
  • 80%
  • 90%
Annual Deductible Options
  • $100
  • $250
  • $500
  • $750
  • $1,000
Maximum Coverage Options
  • Unlimited

ASPCA vs. Healthy Paws: Additional Perks

ASPCA

ASPCA is non-discriminatory about which pets qualify for their program, which is something we like. All cats and dogs at any life-stage are welcome to join. There’s no vet exam required prior to approval and no age limits.

Healthy Paws

Customers say they submitted their claims with ease and typically received a response within 2 days. No expense is too great for this top-rated company.


ASPCA vs Healthy Paws: Summary of Pros and Cons

ASPCA

Thanks to the wide variety of ASPCA plans available, every customer can find what they looking for in pet insurance and for an affordable price. ASPCA also doesn’t have age limit for coverage and comes with the 30-day money-back guarantee.

Healthy Paws

Although the plans for Healthy Paws can vary immensely between younger and older pets, it does offer a round-the-clock helpline. It also pays your veterinarian directly and responds to claims quickly, so you can focus on helping your pet get better rather than worry about funds.


Company Verdict: Which One Has the Edge?

Both ASPCA and Healthy Paws offer great coverage options for pet owners, but there are some key differences to consider. Healthy Paws is a bit cheaper than ASPCA, but only offers coverage for accidents and illnesses, while ASPCA also covers routine care and preventive services. If you’re looking for the most comprehensive coverage possible, ASPCA is the way to go. However, if you’re on a budget and just need basic accident and illness coverage, Healthy Paws is a great option.

Customer Service📞

  • Edge: ASPCA

When it comes to customer service, ASPCA has the edge. The company offers a variety of ways to get in touch with a customer service representative, including by phone, email, and live chat. Their customers also rate their support slightly higher in satisfaction surveys.


Price of Plans💲

  • Edge: Healthy Paws

Healthy Paws is the cheaper option when it comes to pet insurance, with plans starting at $25 per month. ASPCA plans start at $29.99 per month.


Areas of Coverage🌐

  • Edge: ASPCA

ASPCA offers more comprehensive coverage than Healthy Paws, including routine care and preventive services in addition to accident and illness


Perks📱

  • Edge: Healthy Paws

Healthy Paws offers a few more perks than ASPCA, including a mobile app and the option to choose your own vet.


Claims Handling

  • Edge: ASPCA

ASPCA’s claims handling process is simpler and more straightforward than Healthy Paws’, making it the easier option for pet owners.

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Conclusion

ASPCA is a great choice for pet owners who are looking for comprehensive coverage and excellent customer service. Healthy Paws is a great option for pet owners who are looking for comprehensive coverage at an affordable price. With two different plans to choose from and a wide variety of coverage options, you’re sure to find the perfect plan for your needs.

No matter which company you choose, pet insurance is a great way to peace of mind and financial protection in the event of an unexpected accident or illness and you can be sure that your furry friend will be well-protected.

  • Hepper acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.

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