Healthy Paws offers better pet insurance coverage than ASPCA for both dogs and cats, ranking sixth nationally while ASPCA ranks eighth. Research shows both providers offer similar deductible options and reimbursement rates, but Healthy Paws provides more flexible annual coverage limits and shorter waiting periods for accident claims, giving pet owners faster access to benefits.
ASPCA vs. Healthy Paws Pet Insurance
Updated: November 3, 2025
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ASPCA vs. Healthy Paws Pet Insurance: Key Takeaways
ASPCA provides more affordable pet insurance rates, with monthly premiums of $31 for middle-aged cats and $48 for middle-aged dogs, while Healthy Paws charges $59 and $136 respectively.
Healthy Paws ranks fifth nationally in customer experience for both cats and dogs, with a Trustpilot score of 3.8 out of 5.0 stars, slightly outperforming ASPCA's sixth-place ranking and 3.7-star rating.
Healthy Paws demonstrates stronger coverage options with a sixth-place national ranking compared to ASPCA's eighth-place position, offering a 15-day accident waiting period and wellness care add-ons for preventive care.
Is ASPCA or Healthy Paws Pet Insurance Better?
Data filtered by:
Dog
| Affordability | ASPCA | 2 | 6 |
| Coverage | Healthy Paws | 6 | 8 |
| Customer Experience | Healthy Paws | 5 | 6 |
| Overall Score | ASPCA | 5 | 6 |
ASPCA and Healthy Paws Comparison by State
Healthy Paws is the best pet insurance company in 50 states for cats and nine states for dogs. ASPCA leads in three states for dog coverage: Nevada, Oklahoma and South Dakota.
Data filtered by:
Overall Score
Dog
| Alabama | ASPCA | 5 | 1 |
| Alaska | Healthy Paws | 6 | 1 |
| Arizona | ASPCA | 5 | 1 |
| Arkansas | Healthy Paws | 6 | 1 |
| California | ASPCA | 5 | 1 |
| Colorado | ASPCA | 5 | 1 |
| Connecticut | ASPCA | 5 | 1 |
| Delaware | ASPCA | 6 | 0 |
| Florida | ASPCA | 5 | 1 |
| Georgia | ASPCA | 5 | 1 |
| Hawaii | ASPCA | 6 | 0 |
| Idaho | ASPCA | 5 | 1 |
| Illinois | ASPCA | 5 | 1 |
| Indiana | ASPCA | 5 | 1 |
| Iowa | ASPCA | 5 | 1 |
| Kansas | ASPCA | 6 | 0 |
| Kentucky | Healthy Paws | 6 | 1 |
| Louisiana | ASPCA | 5 | 1 |
| Maine | Healthy Paws | 6 | 2 |
| Maryland | Healthy Paws | 6 | 1 |
| Massachusetts | ASPCA | 5 | 1 |
| Michigan | ASPCA | 5 | 1 |
| Minnesota | ASPCA | 5 | 1 |
| Mississippi | ASPCA | 5 | 1 |
| Missouri | ASPCA | 5 | 1 |
| Montana | ASPCA | 6 | 0 |
| Nebraska | ASPCA | 6 | 0 |
| Nevada | ASPCA | 4 | 2 |
| New Hampshire | ASPCA | 6 | 0 |
| New Jersey | Healthy Paws | 6 | 1 |
| New Mexico | ASPCA | 5 | 1 |
| New York | ASPCA | 5 | 1 |
| North Carolina | ASPCA | 5 | 1 |
| North Dakota | ASPCA | 6 | 0 |
| Ohio | ASPCA | 5 | 1 |
| Oklahoma | ASPCA | 4 | 2 |
| Oregon | ASPCA | 5 | 1 |
| Pennsylvania | ASPCA | 5 | 1 |
| Rhode Island | ASPCA | 5 | 1 |
| South Carolina | Healthy Paws | 6 | 2 |
| South Dakota | ASPCA | 4 | 2 |
| Tennessee | ASPCA | 5 | 1 |
| Texas | ASPCA | 5 | 1 |
| Utah | ASPCA | 5 | 1 |
| Vermont | Healthy Paws | 6 | 1 |
| Virginia | ASPCA | 5 | 1 |
| Washington | ASPCA | 6 | 0 |
| West Virginia | ASPCA | 5 | 1 |
| Wisconsin | ASPCA | 5 | 1 |
| Wyoming | Healthy Paws | 6 | 1 |
ASPCA vs. Healthy Paws Pet Insurance Cost
ASPCA offers more affordable pet insurance than Healthy Paws across most age groups for cats and dogs. For middle-aged dogs, ASPCA costs $48 per month compared with Healthy Paws' $136 per month. Middle-aged cats cost $31 with ASPCA versus $59 with Healthy Paws.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| 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% |
ASPCA vs. Healthy Paws Pet Insurance Cost by State
ASPCA offers the cheapest pet insurance across most categories, leading in pricing for middle-aged dogs and cats in all states. Healthy Paws only beats ASPCA's rates for senior pets nationwide.
Data filtered by:
Middle Aged Dogs
| 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% |
ASPCA vs. Healthy Paws Pet Insurance Discounts
ASPCA offers more pet insurance discounts than Healthy Paws, providing five ways to save compared to none from Healthy Paws. The table below shows each provider's specific discount offerings and savings details.
Save 10% on each additional pet’s base premium when you enroll multiple pets. | None | |
Bundling | None | None |
Annual Pay-In Full | Not advertised as a standard discount. | Not advertised as a standard discount. |
Association/Club Member | Members of certain groups, like REALTOR® associations, may receive 10% off their base premium. | None |
Employer Group | Employees of participating companies may receive 10% off when enrolling through their employer. | None |
ASPCA vs. Healthy Paws Pet Insurance Customer Experience
Healthy Paws delivers better customer experience than ASPCA, ranking fifth nationally for both dog and cat insurance compared to ASPCA's eleventh-place position. Both companies maintain A+ BBB ratings, showing strong business practices. Healthy Paws also scores slightly higher on Trustpilot with a 3.8 out of 5.0 rating versus ASPCA's 3.7 score, reflecting more positive customer feedback overall.
ASPCA vs. Healthy Paws Trustpilot Ratings
Healthy Paws earns a slightly higher Trustpilot rating at 3.8 out of 5.0 compared to ASPCA's 3.7 out of 5.0 from verified customers. Both providers show mixed feedback, with customers highlighting responsive support teams and digital tools, though some reviews mention concerns about claims processing times.
ASPCA vs. Healthy Paws BBB Ratings
Both ASPCA and Healthy Paws maintain identical A+ BBB ratings with full accreditation. These ratings indicate strong complaint resolution practices and transparent business operations for both providers.
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. The larger volume of negative feedback for Healthy Paws suggests more mixed customer experiences despite its higher Trustpilot score.
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. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Healthy Paws has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500 | $100, $250, $500 (age‑based variants) | |
$2,500 up to Unlimited | Unlimited (no annual cap) | |
70%, 80%, 90% | Up to 90% (varies by age) | |
14 days for accidents/illnesses; state/plan varies | ~15 days for accidents/illnesses; hip dysplasia 12 months | |
Age restrictions | No upper age limit in many states | Pets older than ~14 years may be ineligible; hip dysplasia coverage age‑restricted |
Curable conditions may be covered after 180 symptom‑free days; chronic excluded | Pre‑existing conditions excluded; specific waiting periods apply | |
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 more pet insurance add-ons than Healthy Paws, including two wellness plan tiers. In contrast, Healthy Paws offers a single accident and illness plan without optional routine care add-ons, which simplifies the experience but limits customization. Compare each provider's add-on options below:
ASPCA Pet Insurance Add-ons
ASPCA offers two add-on wellness plans:
• Prime Wellness Plan - Covers essential routine care including annual exams, vaccinations, and basic diagnostic tests. The plan provides up to $450 annually in benefits for preventive services. It also includes coverage for spaying and neutering procedures and routine blood work.
• Complete Wellness Plan - Provides comprehensive routine care coverage with higher annual benefit limits up to $750. This plan includes everything in the Prime plan plus additional services like dental cleanings, microchipping, and behavioral training consultations. The Complete plan also covers heartworm prevention and flea and tick medications.
Healthy Paws Pet Insurance Add-ons
Healthy Paws does not offer separate add-on or wellness plans. The company focuses exclusively on comprehensive accident and illness coverage through their single insurance plan. Unlike other providers, Healthy Paws does not provide optional wellness coverage for routine care like vaccines, dental cleanings, or annual checkups as separate purchasable add-ons. Their streamlined approach means pet parents get one comprehensive plan that covers accidents and illnesses without the option to customize coverage with additional wellness benefits.
ASPCA vs. Healthy Paws Pet Insurance: Bottom Line
Healthy Paws beats ASPCA overall, delivering superior coverage options and better customer service. Healthy Paws offers comprehensive accident and illness coverage with no annual or lifetime payout caps, giving pet owners more protection when they need it most. The provider also earns a 3.8 out of 5.0 rating on Trustpilot and maintains an A+ BBB rating. However, ASPCA is the more affordable choice, with rates starting at $48 per month for middle-aged dogs and $31 for cats, making it ideal for budget-conscious pet owners willing to trade some coverage breadth for lower premiums.
ASPCA vs. Healthy Paws Pet Insurance Comparison: FAQ
Compare ASPCA and Healthy Paws pet insurance through these common questions:
Which is cheaper: ASPCA vs Healthy Paws pet insurance?
ASPCA is cheaper than Healthy Paws for most pet categories, winning in 6 out of 8 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 has better customer service: ASPCA vs Healthy Paws pet insurance?
Healthy Paws delivers superior customer service, ranking 5th nationally for customer experience compared to ASPCA's 11th-place ranking. Healthy Paws maintains a 3.8 out of 5.0 Trustpilot score and an A+ BBB rating, while ASPCA holds a 3.7 Trustpilot rating and an A+ BBB grade.
Which offers better coverage: ASPCA vs Healthy Paws pet insurance?
Healthy Paws delivers superior coverage, ranking 6th nationally compared to ASPCA's 8th-place position for both cats and dogs. Healthy Paws focuses on comprehensive accident and illness coverage with unlimited annual and lifetime benefits, while ASPCA offers more add-on options including wellness plans and preventive care. Both providers cover diagnostics, treatments, surgeries and medications, but Healthy Paws' stronger core coverage makes it the better choice.
Can I switch from ASPCA vs Healthy Paws pet insurance or vice versa?
You can switch between ASPCA and Healthy Paws pet insurance anytime by canceling your current policy and purchasing a new one. However, new waiting periods will apply with your new insurer: typically 14 days for illnesses and up to 30 days for orthopedic conditions. Any conditions your pet had under the previous policy will be considered pre-existing.
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, both companies may provide coverage for certain curable conditions after your pet remains symptom-free for a specific period. ASPCA typically requires 180 days without symptoms, while Healthy Paws generally needs 12 months symptom-free before considering coverage reinstatement.
Can I get discounts with both ASPCA vs Healthy Paws pet insurance?
Yes, both ASPCA and Healthy Paws offer discounts to help reduce premium costs. ASPCA provides multiple discount options, including savings for multi-pet households, military members, and certain employer groups. Healthy Paws offers fewer discount programs but includes multi-pet discounts and occasional promotional savings for new customers.
What are the age limits for ASPCA vs Healthy Paws pet insurance?
ASPCA pet insurance accepts pets of any age for enrollment, making it accessible for senior animals. Healthy Paws restricts enrollment to pets under 6 years old, which limits coverage options for older pets. This age restriction makes ASPCA the better choice for owners with senior pets seeking comprehensive coverage.
How We Scored ASPCA vs. Healthy Paws Pet Insurance
Our ASPCA vs Healthy Paws comparison analyzed both providers using identical pet profiles and coverage specifications. We obtained quotes from each company based on the same policy settings to ensure fair evaluation.
• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage
We scored both providers across three key areas, weighted by their importance to pet owners.
Affordability (50% of score): We collected pricing data across multiple pet ages and coverage options to assess typical monthly costs and evaluate how available discounts affect actual premiums.
Customer Experience (30% of score): We analyzed Trustpilot reviews and conducted sentiment analysis of customer feedback to measure satisfaction with claims processing and customer support.
Coverage (20% of score): We examined policy features including add-on options, waiting periods and included benefits to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.