ASPCA Pet Health Insurance vs Healthy Paws pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
Key differences
- › Exam fees: ASPCA Pet Health Insurance — covered; Healthy Paws — not covered.
- › Dental: ASPCA Pet Health Insurance — injury & disease; Healthy Paws — accidents only.
- › ASPCA Pet Health Insurance can cover a cured pre-existing condition; the other can't.
| ASPCA Pet Health Insurance | Healthy Paws | |
|---|---|---|
| Plan | Complete Coverage | Accident & Illness Plan |
| Reimbursement | 70/80/90% | 70/80/90% |
| Annual limit (max) | Unlimited | Unlimited |
| Deductible | Annual | Annual |
| Exam fees | Covered | Not covered |
| Dental | Injury & disease | Accidents only |
| Alternative therapy | Included | Included |
| Pays vet directly | No | No |
| Accident wait | 14 days | 15 days |
| Illness wait | 14 days | 15 days |
| Orthopedic wait | None extra | 12 mo |
| Wellness option | Yes | No |
| Multi-pet discount | 10% for each additional pet | None |
| Cured pre-existing | Can be covered | Not covered |
| Enrollment age | No maximum enrollment age. | New policies up to age 13. |
| Availability | Sold in every state. | Sold in every state. |
Full ASPCA Pet Health Insurance details, caveats & sources →Full Healthy Paws details, caveats & sources →
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