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.

ASPCA® Pet Health Insurance Healthy Paws Pet Insurance & Foundation
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. 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 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 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.