ASPCA vs. Healthy Paws Pet Insurance: Which Is Better? (2026)

ASPCA vs. Healthy Paws Pet Insurance: Key Takeaways

ASPCA provides more affordable pet insurance rates at $48 monthly for most dogs (65% savings compared to Healthy Paws), while Healthy Paws has cheaper premiums for senior cats at $63 monthly (15% savings compared to ASPCA).

Healthy Paws offers better customer experience than ASPCA, ranking fifth nationally in customer experience for both cats and dogs due to its faster claim processing, great coverage and fewer customer complaints.

Healthy Paws has better coverage for pet insurance, with a sixth-place national ranking compared to ASPCA's eighth-place position, offering the option to pay licensed veterinarians directly.

Is ASPCA or Healthy Paws Pet Insurance Better?

According to our comprehensive study of pet insurance companies, ASPCA is better for dog insurance, while Healthy Paws is the ideal provider for cats, though your best choice depends on priorities.

Affordability: ASPCA charges less than Healthy Paws for dogs at every age tier, making it the stronger pick for dog owners. Healthy Paws costs less for cats, and senior cats are the cheapest to insure under that plan.
Customer Experience: Healthy Paws outperforms ASPCA in customer service, earning a high Trustpilot rating and consistent praise across Reddit threads.
Coverage: Healthy Paws covers more than ASPCA, with unlimited coverage and the ability to pay licensed veterinarians directly.

Data filtered by:


Cat	Healthy Paws	6	9
Dog	ASPCA	5	6

How We Decided the Winning Pet Insurance Provider

All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.

Learn more about the best pet insurance options for your pet across different situations:

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Best Pet Insurance for Cats

Best Pet Insurance for Dental

Best Pet Insurance With Direct Vet Pay

ASPCA and Healthy Paws Comparison by State

ASPCA is the best pet insurance company for dogs in 41 states, while Healthy Paws is the ideal choice in Alaska, Arkansas, Kentucky, Maine, Maryland, New Jersey, South Carolina, Vermont and Wyoming. The competition flips for cat insurance, with Healthy Paws leading as the top provider in all 50 states.

Data filtered by:


Alabama	Cat	Healthy Paws
Alabama	Dog	ASPCA
Alaska	Cat	Healthy Paws
Alaska	Dog	Healthy Paws
Arizona	Cat	Healthy Paws
Arizona	Dog	ASPCA
Arkansas	Cat	Healthy Paws
Arkansas	Dog	Healthy Paws
California	Cat	Healthy Paws
California	Dog	ASPCA
Colorado	Cat	Healthy Paws
Colorado	Dog	ASPCA
Connecticut	Cat	Healthy Paws
Connecticut	Dog	ASPCA
Delaware	Cat	Healthy Paws
Delaware	Dog	ASPCA
Florida	Cat	Healthy Paws
Florida	Dog	ASPCA
Georgia	Cat	Healthy Paws
Georgia	Dog	ASPCA
Hawaii	Cat	Healthy Paws
Hawaii	Dog	ASPCA
Idaho	Cat	Healthy Paws
Idaho	Dog	ASPCA
Illinois	Cat	Healthy Paws
Illinois	Dog	ASPCA
Indiana	Cat	Healthy Paws
Indiana	Dog	ASPCA
Iowa	Cat	Healthy Paws
Iowa	Dog	ASPCA
Kansas	Cat	Healthy Paws
Kansas	Dog	ASPCA
Kentucky	Cat	Healthy Paws
Kentucky	Dog	Healthy Paws
Louisiana	Cat	Healthy Paws
Louisiana	Dog	ASPCA
Maine	Cat	Healthy Paws
Maine	Dog	Healthy Paws
Maryland	Cat	Healthy Paws
Maryland	Dog	Healthy Paws
Massachusetts	Cat	Healthy Paws
Massachusetts	Dog	ASPCA
Michigan	Cat	Healthy Paws
Michigan	Dog	ASPCA
Minnesota	Cat	Healthy Paws
Minnesota	Dog	ASPCA
Mississippi	Cat	Healthy Paws
Mississippi	Dog	ASPCA
Missouri	Cat	Healthy Paws
Missouri	Dog	ASPCA
Montana	Cat	Healthy Paws
Montana	Dog	ASPCA
Nebraska	Cat	Healthy Paws
Nebraska	Dog	ASPCA
Nevada	Cat	Healthy Paws
Nevada	Dog	ASPCA
New Hampshire	Cat	Healthy Paws
New Hampshire	Dog	ASPCA
New Jersey	Cat	Healthy Paws
New Jersey	Dog	Healthy Paws
New Mexico	Cat	Healthy Paws
New Mexico	Dog	ASPCA
New York	Cat	Healthy Paws
New York	Dog	ASPCA
North Carolina	Cat	Healthy Paws
North Carolina	Dog	ASPCA
North Dakota	Cat	Healthy Paws
North Dakota	Dog	ASPCA
Ohio	Cat	Healthy Paws
Ohio	Dog	ASPCA
Oklahoma	Cat	Healthy Paws
Oklahoma	Dog	ASPCA
Oregon	Cat	Healthy Paws
Oregon	Dog	ASPCA
Pennsylvania	Cat	Healthy Paws
Pennsylvania	Dog	ASPCA
Rhode Island	Cat	Healthy Paws
Rhode Island	Dog	ASPCA
South Carolina	Cat	Healthy Paws
South Carolina	Dog	Healthy Paws
South Dakota	Cat	Healthy Paws
South Dakota	Dog	ASPCA
Tennessee	Cat	Healthy Paws
Tennessee	Dog	ASPCA
Texas	Cat	Healthy Paws
Texas	Dog	ASPCA
Utah	Cat	Healthy Paws
Utah	Dog	ASPCA
Vermont	Cat	Healthy Paws
Vermont	Dog	Healthy Paws
Virginia	Cat	Healthy Paws
Virginia	Dog	ASPCA
Washington	Cat	Healthy Paws
Washington	Dog	ASPCA
West Virginia	Cat	Healthy Paws
West Virginia	Dog	ASPCA
Wisconsin	Cat	Healthy Paws
Wisconsin	Dog	ASPCA
Wyoming	Cat	Healthy Paws
Wyoming	Dog	Healthy Paws

How We Decided the Winning Pet Insurance Provider by State

ASPCA vs. Healthy Paws Pet Insurance Cost

ASPCA offers more affordable pet insurance than Healthy Paws across most age groups for cats and dogs, with savings up to 68% for kittens. Healthy Paws provides lower rates for senior pets than ASPCA, allowing you to save up to 15% on pet insurance for senior cats.

Learn how much pet insurance costs across different age categories below.

Data filtered by:


Kittens	ASPCA	$14	68%
Young Cats	ASPCA	$20	28%
Puppies	ASPCA	$25	49%
Middle Aged Cats	ASPCA	$31	48%
Young Dogs	ASPCA	$31	28%
Middle Aged Dogs	ASPCA	$48	65%
Senior Cats	Healthy Paws	$63	15%
Senior Dogs	Healthy Paws	$115	1%

How We Decided the Winning Pet Insurance Provider

All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.

ASPCA vs. Healthy Paws Pet Insurance Cost by State

ASPCA offers the cheapest pet insurance in all 50 states for kittens and puppies, young cats and dogs, and adult cats and dogs. Healthy Paws is the most affordable option across the country for senior cats and senior dogs.

Data filtered by:


Alabama	ASPCA	$35	65%
Alaska	ASPCA	$47	65%
Arizona	ASPCA	$58	65%
Arkansas	ASPCA	$32	65%
California	ASPCA	$60	65%
Colorado	ASPCA	$60	65%
Connecticut	ASPCA	$55	65%
Delaware	ASPCA	$48	65%
Florida	ASPCA	$54	65%
Georgia	ASPCA	$43	65%
Hawaii	ASPCA	$48	65%
Idaho	ASPCA	$48	65%
Illinois	ASPCA	$59	65%
Indiana	ASPCA	$43	65%
Iowa	ASPCA	$40	65%
Kansas	ASPCA	$44	65%
Kentucky	ASPCA	$38	65%
Louisiana	ASPCA	$39	65%
Maine	ASPCA	$58	65%
Maryland	ASPCA	$47	65%
Massachusetts	ASPCA	$62	65%
Michigan	ASPCA	$48	65%
Minnesota	ASPCA	$50	65%
Mississippi	ASPCA	$41	65%
Missouri	ASPCA	$38	65%
Montana	ASPCA	$40	65%
Nebraska	ASPCA	$43	65%
Nevada	ASPCA	$50	65%
New Hampshire	ASPCA	$56	65%
New Jersey	ASPCA	$54	65%
New Mexico	ASPCA	$42	65%
New York	ASPCA	$52	65%
North Carolina	ASPCA	$43	65%
North Dakota	ASPCA	$37	65%
Ohio	ASPCA	$44	65%
Oklahoma	ASPCA	$40	65%
Oregon	ASPCA	$59	65%
Pennsylvania	ASPCA	$50	65%
Rhode Island	ASPCA	$42	65%
South Carolina	ASPCA	$45	65%
South Dakota	ASPCA	$42	65%
Tennessee	ASPCA	$44	65%
Texas	ASPCA	$51	65%
Utah	ASPCA	$46	65%
Vermont	ASPCA	$45	65%
Virginia	ASPCA	$51	65%
Washington	ASPCA	$55	65%
West Virginia	ASPCA	$41	65%
Wisconsin	ASPCA	$51	65%
Wyoming	ASPCA	$44	65%

How We Decided the Winning Pet Insurance Provider by State

All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.

ASPCA vs. Healthy Paws Pet Insurance Discounts

With ASPCA, you can save on pet insurance by insuring more than one pet, joining a participating employer's group plan, being a member of certain associations and working at a veterinary practice. Healthy Paws, on the other hand, doesn't offer any pet insurance discounts to lower your rate.


Multiple pets	Save 10% on each additional pet’s base premium when you enroll multiple pets.	None.
Employee group plan	Get 10% off for joining a participating employer's benefit program.	None.
Association	10% off for members of certain associations, such as REALTOR benefits programs.	None.
Veterinary staff	Employees of veterinary practices save up to 10% on pet insurance.	None.

ASPCA vs. Healthy Paws Pet Insurance Customer Experience

Healthy Paws wins customer experience for both dogs and cats, backed by stronger consumer sentiment. While both providers earn similar A+ ratings from the Better Business Bureau, Healthy Paws maintains a 4.1 Trustpilot rating for its quick claims process and comprehensive coverage, while ASPCA has a 3.6 rating. That said, ASPCA has more positive mentions on Reddit than Healthy Paws.

ASPCA vs. Healthy Paws Trustpilot Ratings

Healthy Paws earns a 4.1 out of 5 Trustpilot rating compared to ASPCA's 3.6 out of 5, reflecting stronger customer satisfaction across nearly 3,000 reviews. Healthy Paws customers praise quick claim processing and comprehensive coverage, with 81% awarding five-star ratings. ASPCA receives more mixed feedback, with 71% five-star ratings and complaints about claim denials and slow service.

ASPCA vs. Healthy Paws BBB Ratings

ASPCA has an A+ rating from the BBB, earning accredited status in 2004. Healthy Paws also maintains an A+ BBB rating and accredited status since 2011. Both meet BBB Standards for Trust, though recent customer reviews highlight concerns about premium increases and claim processing for both companies.

ASPCA vs. Healthy Paws Reddit Sentiment

We analyzed Reddit discussions and found ASPCA performed better with 36% positive sentiment from 11 total comments compared to Healthy Paws' 20% positive rating from 40 comments. ASPCA receives positive feedback for broad coverage options and helpful customer service representatives but it's noted for having slow claim processing and frequent denials. Meanwhile, Healthy Paws policyholders praise the company's two-day claim processing and unlimited coverage but criticize its steep premium increases for senior pets and requests for excessive medical records.

ASPCA vs. Healthy Paws Pet Insurance Coverage

Healthy Paws offers better pet insurance coverage for dogs and cats than ASPCA, ranking sixth nationally while ASPCA ranks eighth. While ASPCA offers more flexibility in its annual limit options and shorter waiting periods, Healthy Paws stands out for its direct vet pay feature, reducing upfront costs during vet visits.


Diagnostics	✓	✓
Procedures	✓	✓
Medications	✓	✓
Fractures and broken bones	✓	✓
Lacerations and bite wounds	✓	✓
Parasite treatment	Only covers prevention through an optional add-on	X
Cancer treatment	✓	✓
Digestive illnesses	✓	✓
Hereditary conditions	✓	✓
Congenital conditions	✓	✓
Chronic conditions	✓	✓
Hip dysplasia	✓	✓
Deductibles	$100, $250, $500	$250, $500, $1,000
Annual limits	$2,500, $5,000, $7,000, $10,000, Unlimited	Unlimited
Reimbursement rates	70%, 80%, 90%	70%, 80%, 90%
Waiting periods	14 days for accidents, illnesses and knee/ligament conditions	15 days for illnesses and accidents, 12 months for hip dysplasia
Age restrictions	No upper age limit in many states	Only insures pets up to age 14
Pre‑existing conditions	Curable conditions may be covered after 180 symptom‑free days	Pre‑existing conditions are permanently excluded
Direct vet payment	Doesn't offer direct vet payment	Offers direct vet pay; requires you to contact Healthy Paws before your pet's treatment to arrange direct payment with your veterinarian

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

ASPCA vs. Healthy Paws Pet Insurance Add-ons

ASPCA offers two optional add-ons for routine care to supplement its base policies. These are:

Basic Wellness Plan: Covers essential routine care including annual exams, vaccinations, deworming, dental cleanings, fecal tests and heartworm tests.
Prime Wellness Plan: Expands Basic benefits to include spay/neuter procedures, blood tests, urinalysis, flea/heartworm prevention, additional vaccines and health certificates.

In contrast, Healthy Paws doesn't provide optional wellness plans for routine care like vaccines, dental cleanings, or annual checkups as separate purchasable add-ons. The company focuses exclusively on covering new accidents and illnesses through its single comprehensive plan.

ASPCA vs. Healthy Paws Pet Insurance: Bottom Line

Whether ASPCA or Healthy Paws is the best option for you depends on your priorities. ASPCA offers the best and cheapest pet insurance for dogs, while Healthy Paws is the ideal for cats. Healthy Paws is also preferable if you value quality service and comprehensive coverage, with the company earning a 4.1 Trustpilot rating and offering to pay veterinarians directly.

Compare other major pet insurance companies to determine the best choice for your pet:

Spot vs. ASPCA Pet Insurance

Spot vs. Embrace Pet Insurance

Spot vs. Fetch Pet Insurance

Spot vs. Figo Pet Insurance

Spot vs. Healthy Paws Pet Insurance

Spot vs. Lemonade Pet Insurance

ASPCA vs. Healthy Paws Pet Insurance Comparison: FAQ

Compare ASPCA and Healthy Paws pet insurance through these common questions:

What is the difference between ASPCA and Healthy Paws pet insurance?

ASPCA offers more flexibility in customizing pet insurance policies, plus optional wellness plans and four discounts. Healthy Paws provides unlimited coverage with direct vet payment. It also has stronger customer service support.

Is ASPCA or Healthy Paws cheaper for pet insurance?

ASPCA is cheaper than Healthy Paws for most pet categories, winning in six out of eight age groups across all states. ASPCA charges $31 monthly for middle-aged cats versus Healthy Paws' $59, and $48 for middle-aged dogs compared to Healthy Paws' $136. Healthy Paws only beats ASPCA for senior pets.

Which is better for older pets: ASPCA or Healthy Paws?

Healthy Paws is the better choice for senior pets. It charges less than ASPCA for senior dogs and senior cats across all 50 states, covers vet bills without a cap and pays licensed vets directly. Older pets need more frequent care, and those two coverage features matter more as vet visits add up.

Does ASPCA vs Healthy Paws cover pre-existing conditions?

Neither ASPCA nor Healthy Paws covers pre-existing conditions when you first enroll your pet. However, ASPCA may extend coverage to curable pre-existing conditions if cured and symptom-free after 180 days.

Which pet insurance is better overall: ASPCA vs. Healthy Paws?

ASPCA is better overall for dog insurance, while Healthy Paws is ideal for cat insurance, though your best choice depends on your priorities. Budget-conscious owners with young pets benefit most from ASPCA, while those prioritizing comprehensive coverage and customer support should choose Healthy Paws.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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sources

Trustpilot. "Healthy Paws Pet Insurance ." Accessed March 25, 2026.
Trustpilot. "ASPCA Pet Health Insurance ." Accessed March 25, 2026.
Better Business Bureau. "PTZ Insurance Agency, Ltd." Accessed March 25, 2026.
Better Business Bureau. "Healthy Paws." Accessed March 25, 2026.