Paw Protect vs ASPCA PHI

Paw Protect vs ASPCA Pet Health Insurance: Verdict

Paw Protect is a revolutionary new provider making pet insurance available to millions more Americans. Instead of having to pay vet bills* up-front with your own money, it offers customers an optional $2,000, interest-free line of credit from Paytient to help pay them. 

With ASPCA Pet Health Insurance, you have to pay the vet bill yourself and then claim the money back. 

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:

Pet insurance without paying vet bills* up-front
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-up14 years accident and illness,
15+ accident only
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

Paw Protect makes paying your vet simple, thanks to its optional virtual Paytient Visa card which has a $2,000 interest-free line of credit.

  • If approved, you simply pay your vet with your virtual Paytient Visa card*
  • Submit your paperwork to Paw Protect via our app, online, by email or post 
  • Wait for your payout, less your deductible and copay

Use your reimbursement to pay down your Paytient balance and pay off any remaining out-of-pocket costs over up to 12 months interest-free on a schedule that suits your needs.

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 to ASPCA Pet Health Insurance and track it through the My Pet Insurance app. Alternatively, you can email, fax or mail your claims.


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