In This Review:
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.
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
- 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%
- 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
- 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%
- 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.
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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.
- Accidents
- Illnesses
- Hospitalization
- Surgery
- Medications
- Diagnostic tests
- X-rays
- Routine care
- Preventive services
- Emergency Care:
- Accidents
- 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.
- Accidents
- Illnesses
- Hospitalization
- Surgery
- Medications
- 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
- 70%
- 80%
- 90%
- $100
- $250
- $500
- $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
- 50%
- 60%
- 70%
- 80%
- 90%
- $100
- $250
- $500
- $750
- $1,000
- 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 for an affordable price. ASPCA also doesn’t have an age limit for coverage and comes with a 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 to 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 vet.
Claims Handling
- Edge: ASPCA
ASPCA’s claims handling process is more straightforward than Healthy Paws’, making it the easier option for pet owners.
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Conclusion
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| Unlimited Plan |
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| Hereditary Conditions |
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| Exam Fees |
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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 are sure to find the perfect plan for your needs.
No matter which company you choose, pet insurance is a great way to have 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.
