ASPCA Pet Health Insurance vs. Healthy Paws
Healthy Paws promises "unlimited" coverage, which can come at a higher price than other types of plans. However, it may not be worth the extra cost, especially when the veterinary exam fee is excluded on all claims. See how deductible and premium choices could affect the value of "unlimited" plans.
We designed ASPCA Pet Health Insurance to give pet parents the right amount of coverage at the right price. In fact, our accident and illness plans can cost as much as 30% less than others, but only about 0.5% of our customers even hit their plan's coverage limit.+ Would a more expensive plan be worth the extra cost?
|Example Monthly Cost*|
* Based on mixed breed dog under age 1 in zip 11215 as of 4/17/14, excluding Healthy Paws "healthy weight discount" and using reasonably comparable plans, including co-insurance and deductible amounts where available, minus discounts.
|Reimbursement||Choice of 90%, 80% or 70% of
usual and customary covered costs
|90%, 80% or 70% of covered
vet costs, minus exam fees.
|Type of Deductible||Annual||Annual|
|Illness Waiting Period||30 Days||15 Days|
|Accident Waiting Period||None||15 Days|
|Hereditary and Congenital Coverage||All listed hereditary and congenital conditions, including hip dysplasia, are covered on two plans after a 6-month waiting period. Dogs 12 and under and cats 14 and under at initial enrollment are eligible for this coverage.||Available. Pets enrolled after their sixth birthday are not eligible for hip dysplasia coverage. Younger pets eligible for hip dysplasia coverage have a 12-month waiting period.|
|Alternative Therapy Coverage||Available. Coverage includes chiropractic care, acupuncture, physical therapy, rehabilitative care, hydrotherapy and low-level laser therapy.||Available. Coverage includes acupuncture and chiropractic care if it's recommended by your primary veterinarian.|
|Behavioral Coverage||Available. Coverage includes consultations, diagnostics and prescriptions.||Not Available|
|Coverage for Chronic Conditions||All levels come with Continuing Care to cover chronic conditions for eligible pets.||Included, according to the
terms of the base plan
|Multiple Pet Discount||10% for each additional pet||None|
|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.
|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-|
The Hartville Group, which provides ASPCA Pet Health Insurance through its licensed subsidiary, is one of the oldest and largest pet insurance providers in the US and the only strategic partner for pet insurance with the ASPCA®. Healthy Paws was founded in 2010.
Also, unlike Healthy Paws, ASPCA Pet Health Insurance plans have options for wellness care, which is essential to help pets live a long and healthy life. All dogs and cats are eligible for accident coverage, and there’s no separate age limit for hip dysplasia coverage.