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Paw Protect vs ASPCA PHI

Paw Protect vs ASPCA Pet Health Insurance: Verdict

Paw Protect is a recently established pet insurance provider that pays its share of covered vet bills to customers while they’re still at the vet, meaning customers don’t have to use their own money to pay vet bills upfront. ASPCA Pet Health Insurance, which has been around since 2006, makes its customers pay the whole bill upfront themselves before reimbursing them.

Both cover diagnostics and behavioral therapies, but Paw Protect also offers a useful 24/7 vet telehealth line for instant expert advice.

Here’s how they shape up in more detail:

PawASPCA
Can pay vet bills upfront
Annual coverage options$5000, $10,000, Unlimited$2,500, $4,000, $7,000, $10,000
Deductible options$100, $250, $500$100, $250, $500
Reimbursement options70%, 80%, 90%70%, 80%, 90%
Illness coverage start14 days14 days
Maximum age at sign-upCoverage (14 years) and Accident only (14+ years)No maximum
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs ASPCA Pet Health Insurance: Claims process

The main drawback with pet insurance is that usually, you have to pay the whole bill upfront and then claim the money back from your insurer, less your deductible and copay. But Paw Protect is different. When you’re at the vet and you get your bill for a covered claim, you just call Paw Protect and once the claim is approved, Paw Protect immediately sends its share of the claim to your bank account. This means the only thing you have to pay for is your out-of-pocket expenses, which is the same with any pet insurance plan.

With ASPCA Pet Health Insurance you’ll have to pay the vet’s fee in full yourself, before claiming back the payment, minus the deductible and copay. You can submit your claim and track it from there. Alternatively, you can email, fax or mail your claims.

 

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