Pets Best vs. Healthy Paws

How to choose between two top pet insurers

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With so many pet insurance options available these days, it can be hard to figure out which company offers the best coverage and service. Pets Best and Healthy Paws are among the top-rated providers, but is one better than the other?

In truth, the answer is different for everyone. Pet insurance is a highly personal product; each company has its own unique plans that may be the right fit for some but a poor solution for others. To choose between Pets Best and Healthy Paws, you’ll need to decide which you value more: customization and coverage options or simplicity and service.

Our review highlights the similarities and differences between Pets Best and Healthy Paws to help you choose the right policy to keep your pet healthy. We’ll explore coverage options, dive into customer reviews, and give you a breakdown of the costs associated with each plan.

Pets Best vs. Healthy Paws: Coverage, Costs & Features

  Pets Best Healthy Paws
Coverage type Accident-only, accident and illness, wellness Accident and illness
Animals covered Dogs and cats Dogs and cats
Waiting periods Three to 14 days 15 days
Network size Any licensed vet Any licensed vet
Annual limits $5,000 to unlimited Unlimited
Annual deductibles $50 to $1,000 $100 to $500
Reimbursement amounts 70% to 90% 70% to 90%
Customer service Phone, email, web chat Phone, email
Company reviews Pets Best Review Healthy Paws Review
Pets Best vs. Healthy Paws
Pets Best vs. Healthy Paws

Pets Best

Pets Best

Pets Best

Pros
  • Extremely low premiums

  • Convenient online tools

  • Flat-rate accident-only and wellness plans

  • Several discounts available

  • Direct veterinarian reimbursement

Cons
  • Complicated accident and illness plan structure

  • End-of-life expenses not covered

  • Only two annual limit options

Healthy Paws

Healthy Paws

 Healthy Paws

Pros
  • Unlimited annual benefits

  • Quick and easy claims process

  • Automatically compares rates with competitors

Cons
  • Single policy offered

  • Limited coverage levels

  • Requires an exam

  • Not ideal for older pets

Pets Best vs. Healthy Paws: Coverage

The key difference between Healthy Paws and Pets Best is that while Healthy Paws sells just one pet insurance policy, Pets Best provides several customizable options that fall into three categories: accident-only, accident and illness, and wellness. Here’s a breakdown of what you can expect from each type of plan:

  • Accident-only coverage reimburses injuries your pet sustains if they’re hurt by something in their environment. For example, if they ingest a foreign object or are attacked by another animal, both of these would be covered by an accident-only policy. Healthy Paws doesn’t offer this type of plan, but Pets Best does make one option available.
  • Accident and illness policies are the most common type of pet insurance. In addition to coverage for injuries, this type of plan reimburses the treatment of illnesses and diseases from bladder infections to cancer. Healthy Paws’ single pet insurance policy falls under this category; Pets Best offers three accident and illness options.
  • Wellness coverage pays for your pet’s routine care, including vaccinations, preventive screenings, and sometimes procedures like spay or neuter surgery. These benefits are usually offered in the form of a policy rider, which pet parents can add to an accident and illness policy for an extra monthly fee. Pets Best gives two routine care options while Healthy Paws doesn’t offer any.

See the table below for a breakdown of the specific treatments covered by each provider’s plans.

  Pets Best Healthy Paws
Covered Treatment Accident and illness plans Accident and illness plan
Exam fees √*  
Procedures
Lab tests
Medication
Continued treatment
Genetic conditions
Preventive care    
Microchipping    
Spay/neuter surgery    
Vaccinations    
Dental treatment    
Behavioral treatment  
Specialists
Alternative/holistic care √*
Medical boarding
Cremation/burial    

*Only available with higher-tier plans

Pets Best vs. Healthy Paws: Enrollment Process

As with most pet insurance carriers, both Pets Best and Healthy Paws let you sign up for coverage online. Each provider’s website includes an instant quote tool that pet owners can use to compare rates and purchase a policy in a matter of minutes.

Since Pets Best’s policies are more customizable, their quote tool is more complex. You may need to spend a bit more time playing around with different plans, riders, and coverage options to find the right combination. With Healthy Paws, all you need to do is choose a reimbursement level, deductible, and limit.

As a bonus, Pets Best will let you choose from four payment plans: monthly, quarterly, semi-annual, and annual. The advantage of making fewer payments, aside from pure convenience, is that you’ll get a discount for being ahead on your premiums. Pet owners can save up to $24 per year by switching from a monthly to an annual payment plan.   

While Healthy Paws policies are faster to purchase, they do take longer to go into effect. Injury and illness benefits don’t start until 15 days after you begin paying premiums. Pets Best customers only need to wait three days for injury coverage; illnesses are eligible for reimbursement after 14 days.

One final item for consideration is the date of your pet’s last veterinary exam. Healthy Paws requires all pet parents to show proof that their pet has been examined in the past 12 months. If you can’t provide these records, you’ll have to take your pet in for a checkup within 15 days to prevent your policy from being canceled. Pets Best doesn’t have this requirement.

Pets Best vs. Healthy Paws: Claim Filing

Both Pets Best and Healthy Paws provide convenient digital claim filing tools. With each company, you can submit expenses for reimbursement through a mobile app or by uploading documentation online.

Healthy Paws issues reimbursements very quickly, processing 99% of claims within 48 hours. Pets Best doesn’t make any promises, so it’s a good idea to anticipate a longer wait just in case; customer reviews also allude to this issue. The company does advise pet parents to sign up for direct deposit if getting reimbursed is urgent. Funds usually become available within two days via electronic transfer, much shorter than the five to seven days it can take for a paper check to arrive.

Pets Best vs. Healthy Paws: Reviews

At a glance, Healthy Paws outperforms Pets Best across most review platforms. Although both companies get A+ ratings from the Better Business Bureau (BBB), these letter grades don’t tell the full story. Pets Best’s BBB profile displays an alert related to a pattern of complaints about extremely long claim processing times. Clients consistently state that they have trouble getting ahold of the company to ask for updates on their claim’s status.

Customer review scores for Pets Best average just 1.24 stars on the BBB website. Healthy Paws, on the other hand, scores much higher, at 3.86 stars. While this might not sound like an achievement, it’s actually quite respectable for the pet insurance industry.

Healthy Paws also does better in the financial stability realm. Policies are underwritten by Chubb, which receives the topmost rating of A++ from AM Best. With Pets Best, it’s harder to get a clear reading. One of the company’s underwriters, American Pet Insurance Company, isn’t rated by AM Best. The other, Independence American Insurance Company, has an A- financial stability rating.

Pets Best vs. Healthy Paws: Costs

Since Pets Best makes exponentially more coverage options available, the company also offers plans at a wider price range than Healthy Paws does.

The cheapest plans from Pest Best start below $9 per month for a dog and $6 for a cat. With Healthy Paws, you’ll need to budget a bare minimum of $20 if you have a dog and $8 for a cat. However, this price difference also extends to the higher end of the scale. It’s rare to get a quote for more than $50 per month from Healthy Paws, but this is easy to surpass with Pets Best depending on the type of coverage you select.

For a more accurate comparison, we asked each provider for a quote to insure a two-year-old dog with unlimited annual benefits, a $250 deductible, and 80% reimbursement. Pets Best returned a monthly price of $31.48, while Healthy Paws was slightly cheaper at $28.56.

In the table below, we’ve laid out an estimated price range for the policy types available from each provider. Keep in mind that your actual quote will depend on your pet’s age and breed, your geographic location, and the type of coverage you choose.

  Pets Best Healthy Paws
  Accident and illness plans Accident and illness plan
Dog: 1 year $8.79 to $48.00 $20.33 to $43.08
Dog: 3 year $8.79 to $48.00 $23.74 to $50.37
Dog: 6 year $14.27 to $77.91 $34.11
Dog: 12 year $37.81 to $206.44 $155.74
Cat: 1 year $5.20 to $28.42 $8.01 to $17.04
Cat: 3 year $5.20 to $28.42 $9.36 to $19.93
Cat: 6 year $6.86 to $37.45 $13.74
Cat: 12 year $17.78 to $97.07 $61.31

*This table does not include the price of Wellness riders and an Accident-only plan.

FAQs

What Are Pets Best and Healthy Paws?

Pets Best and Healthy Paws are two leading pet insurance providers. These companies sell insurance policies for your pet’s health, which can help pay for veterinary expenses related to injuries, illnesses, and sometimes preventive care.

How Do Pets Best and Healthy Paws Work?

If you purchase a pet insurance policy with Pets Best or Healthy Paws, you’ll be able to submit certain types of veterinary bills to be reimbursed by the company if your pet gets hurt or sick.

Healthy Paws offers one policy that covers most injuries and illnesses as long as they aren’t pre-existing. Pets Best gives a few more options, including cheaper accident-only coverage and a wellness rider that adds coverage for routine care like vaccinations.

Who Should Use Pets Best or Healthy Paws?

Pets Best and Healthy Paws are both well-respected pet insurers, so choosing the right one depends on what you’re looking for from a provider. If all you need is standard coverage and reliable customer service, Healthy Paws offers the better value of the two. However, if you’re not satisfied with the limited coverage options available from Healthy Paws, it’s worth exploring customizable plans with Pets Best.

Remember that each insurance company uses a different system to calculate premiums. You may get a lower rate from one provider compared to another depending on your pet and location. Don’t be afraid to compare quotes from multiple insurers before you settle on a policy.

How We Evaluated Pets Best vs. Healthy Paws

We evaluated Pets Best and Healthy Paws using our standardized scoring method for pet insurance companies. Our quantitative analysis assigns each provider a score in categories like price, coverage options, limits, reputation, and more. We also looked at the history of each company as well as its financial strength based on third-party data. Using this data allows our side-by-side comparison to remain objective. 

Learn more: Read our full Pet Insurance Review Methodology here.