Head-to-Head
ASPCA vs Healthy Paws
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Healthy Paws
Rating 4.5/5
Claim speed 3d
Medium dog $28–$50/mo
Founded 2009
Coverage comparison
| Feature | ASPCA | Healthy Paws |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✗ No |
| Behavioral | ✓ Yes | ✗ No |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | ✗ No |
Pricing comparison
| Dog type | ASPCA | Healthy Paws |
|---|---|---|
| Small (young) | $25–$50/mo | $22–$38/mo |
| Medium (young) | $35–$65/mo | $28–$50/mo |
| Large (young) | $45–$85/mo | $38–$72/mo |
| Brachycephalic | $50–$95/mo | $42–$85/mo |
| Large (senior) | $60–$120/mo | $58–$118/mo |
Plan flexibility
| Option | ASPCA | Healthy Paws |
|---|---|---|
| Deductibles | $100, $250, $500 | $100, $250, $500, $750 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90% |
| Annual limits | $5000, $10000, Unlimited | Unlimited |
Waiting periods
| Type | ASPCA | Healthy Paws |
|---|---|---|
| Accidents | 14 days | 15 days |
| Illness | 14 days | 15 days |
| Orthopedic | None | 12mo |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
Healthy Paws
✓ Unlimited lifetime benefits
✓ No annual or per-incident caps
✓ Strong hereditary coverage
✓ Established reputation
✗ Age limit of 14 for enrollment
✗ No dental or behavioral
✗ Longer waiting periods
✗ No exam fee coverage
Frequently asked questions
Which is better, ASPCA or Healthy Paws?
Healthy Paws has a higher overall rating. ASPCA scores 4.2/5 while Healthy Paws scores 4.5/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Healthy Paws?
For a medium-sized young dog, ASPCA costs $35–$65/month while Healthy Paws costs $28–$50/month. Healthy Paws is generally more affordable.
Which has better coverage, ASPCA or Healthy Paws?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Healthy Paws takes 3 days. Review the coverage table above for detailed feature-by-feature differences.
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