Paw Protect vs ASPCA PHI

Paw Protect vs ASPCA Pet Health Insurance: Verdict

Paw Protect is a new provider making pet insurance available to millions more Americans, while ASPCA Pet Health Insurance has been around since 2006.

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:

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%
Coverage start14 days14 days
Maximum age at sign-up5 years accident and illnessNo 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

With Paw Protect and 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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