Pet Insurance Comparison: Healthy Paws vs. ASPCA Pet Insurance

One Plan. Four Paws. All Covered! Our pet insurance plan is easy to understand, we reimburse quickly, and you can count on us to help as much as we can, especially when it comes to reducing the stress of caring for a sick pet. Our commitment to our customers is to provide unparalleled service and support, and access to the best pet health plan on the planet. Thank you for considering the Healthy Paws Pet Insurance plan for your dog or cat.

To help with your pet insurance comparison, we’ve compared Healthy Paws Pet Insurance coverage to ASPCA Pet Insurance coverage below.

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Coverage		Healthy Paws	ASPCA/Hartville
	What is Covered	All your vet bills associated with diagnostic tests, surgeries, hospitalization, supplies and prescription medications (including genetic conditions).	Reasonable costs* associated with diagnostic tests, surgeries, and treatment.
	What is Not Covered	Pre-existing conditions Hip dysplasia for pets that are 6 years or older at time of enrollment.	Pre-existing conditions Any congenital disorder Any hereditary condition Multiple incidents (more than one foreign object ingestion in a 12-month period). Diagnosis, treatment or surgery related to Anterior Cruciate Ligament (ACL) or Cranial Cruciate Ligament (CCL) damage occurring or symptomatic within 12 months of effective date. Pre-existing and recurring illness or injury prior to the effective date, unless 180 days have passed since cure and last treatment (i.e. if your pet got cancer or arthritis in year 1, they would not be covered in year 2 unless you purchased the Sterling Plan – which covers recurring and ongoing illnesses – or the Continuing Care Rider – which gives $1,000 - $2,500 per incident coverage and a $2,500 - $6,000 lifetime limit for recurring illnesses.)
	Policy Payout Limits	Over the life of your pet there are no limits per year, per claim, per illness, per procedure or per condition.	$2,500 - $5,000 per incident limit subject to an annual cap of $8,000 - $13,000, depending on plan.
	Reimbursement Options	You select one of 3 reimbursement levels (90%, 80%, or 70%). Based on your selection, your policy covers the actual veterinary bills for costs arising from any injury or illness, less the veterinary exam fee and your selected annual deductible. Same reimbursement level also applies to higher emergency & specialty vet costs.	Your policy would cover 80% of reasonable costs* arising from injury or illness, less the annual deductible, up to per incident limit and annual limit.
	Deductible Options	Annual deductible options of $100, $250 or $500.	$100 annual deductible.
	Waiting Periods	15 days for accidents & illnesses 12 months for hip dysplasia	30 days for illnesses
Care
	Customer Rating	9.9	8.0
	Fast Reimbursement Promise
	One Team
Cost
	The Plan	HEALTHY PAWS PLAN (90% REIMBURSEMENT AND $100 ANNUAL DEDUCTIBLE WITH UNLIMITED BENEFITS)	ASPCA PLAN (80% REIMBURSEMENT, $100 PER INCIDENT DEDUCTIBLE, $3,500 INCIDENT LIMIT, $11,000 ANNUAL LIMIT)
	2yo Lab Mix in Chicago	$33.56	$32.13
	2yo Shorthaired Cat in Chicago	$21.75	$23.71
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* Note: Your reimbursement would be based on a comparison of your vet's fees vs. reasonable or usual and customary (U&C) costs in your area, often reducing your reimbursements. ** Customer ratings updated as of March 2012.

Protect your Pet. Save a Homeless Pet. When you protect your pet with the #1 rated pet insurance plan, you also help a homeless pet! Together, we can give all pets a happier, healthier tomorrow.	Phone: 800.453.4054 Fax: 888.228.4129 Address: Healthy Paws Pet Insurance P.O. Box 50034 Bellevue, WA 98015

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Pet insurance policies from Healthy Paws Pet Insurance are administered and/or issued by Healthy Paws Pet Insurance, LLC and/or Affinity Insurance Services, Inc./ Aon Affinity Insurance Services, Inc and underwritten by Markel Corporation, an 'A' rated insurer for long-term financial strength and stability. Please refer to the Sample Policy for complete details of coverage and exclusions. © 2010-2012 Healthy Paws Pet Insurance. Healthy Paws Pet Insurance is a registered trademark. All rights reserved.