Healthy Paws vs ASPCA Pet Insurance Pet Insurance (2026)
Quick Verdict
| Category | Healthy Paws | ASPCA Pet Insurance |
|---|---|---|
| Overall Score | 8.7/10 | 8.0/10 |
| Monthly Cost (avg dog) | ~$35–$75/month | ~$35–$70/month |
| Reimbursement Model | Annual deductible; 70–90%; unlimited lifetime | Annual deductible; exam fees included |
| Best For | Unlimited lifetime payout, fastest claims | Exam fees included, ASPCA brand, lower entry |
Overview
Healthy Paws and ASPCA Pet Insurance are two of the most popular pet insurance providers in the United States. Both cover accidents and illnesses for dogs and cats, but they differ in pricing models, reimbursement structures, and coverage extras. Use the comparison below to determine the best fit for your pet.
Coverage Comparison
| Coverage Item | Healthy Paws | ASPCA Pet Insurance |
|---|---|---|
| Accidents | Yes | Yes |
| Illnesses | Yes | Yes |
| Hereditary/Congenital | Yes (after waiting period) | Yes (after waiting period) |
| Cancer Treatment | Yes | Yes |
| Reimbursement Rate | 70–90% | exam fees included |
Key Differences
Healthy Paws is best suited for owners who want unlimited lifetime payout, fastest claims. The reimbursement structure is: Annual deductible; 70–90%; unlimited lifetime.
ASPCA Pet Insurance is best suited for owners who want exam fees included, aspca brand, lower entry. The reimbursement structure is: Annual deductible; exam fees included.
Pricing
Monthly premiums range from ~$35–$75/month for Healthy Paws and ~$35–$70/month for ASPCA Pet Insurance, depending on pet age, breed, location, and coverage level. Get a personalized quote from both providers before deciding.
Pros and Cons
Healthy Paws
Pros
- See detailed review at [GetPetPros Healthy Paws Review](/reviews/healthy-paws-pet-insurance)
- Strong coverage for unlimited lifetime payout, fastest claims
- Competitive pricing in its category
Cons
- May have higher premiums than competitors in some markets
- Coverage exclusions for pre-existing conditions (standard across all providers)
ASPCA Pet Insurance
Pros
- See detailed review at [GetPetPros ASPCA Pet Insurance Review](/reviews/aspca-pet-insurance-pet-insurance)
- Strong coverage for exam fees included, aspca brand, lower entry
- Well-established claims process
Cons
- May be pricier in some pet profiles vs. Healthy Paws
- Coverage exclusions standard across industry
Best For
Choose Healthy Paws if: Unlimited lifetime payout, fastest claims
Choose ASPCA Pet Insurance if: Exam fees included, ASPCA brand, lower entry
How to Get Quotes
1. Visit each provider’s website and enter your pet’s details (age, breed, zip code)
2. Compare coverage options at similar deductible and reimbursement levels
3. Check customer reviews on Trustpilot and the Better Business Bureau
4. Confirm your primary veterinarian accepts each provider
Related Comparisons
- [Embrace vs Trupanion](/compare/embrace-vs-trupanion)
- [Healthy Paws vs Trupanion](/compare/healthy-paws-vs-trupanion)
- [Lemonade vs Trupanion](/compare/lemonade-vs-trupanion)
FAQ
How do I choose between Healthy Paws and ASPCA Pet Insurance? Compare quotes at the same deductible level for your specific pet. If Healthy Paws’s model (Annual deductible) suits your preferences, choose Healthy Paws. If you prefer ASPCA Pet Insurance’s approach (Annual deductible), go with ASPCA Pet Insurance.
Do both cover pre-existing conditions? No—standard across the entire pet insurance industry. Pre-existing conditions are excluded by all providers. Enroll your pet while young and healthy.
Which has better customer reviews? Both have strong Trustpilot ratings. Check current reviews at Trustpilot.com for the most up-to-date customer experience data.
What is the waiting period? Most providers have a 14-day waiting period for illnesses and 2–5 days for accidents. Orthopedic conditions may have 6-month waiting periods at some providers.
Can I switch between Healthy Paws and ASPCA Pet Insurance? You can cancel and switch, but new pre-existing conditions (developed while insured with your old provider) may be excluded by the new provider. Switch as early as possible if dissatisfied.
*Disclosure: GetPetPros.com is reader-supported. When you buy through links on our site, we may earn an affiliate commission at no extra cost to you. We only recommend products we’ve independently evaluated.*