Pets Best vs Healthy Paws

Pets Best vs Healthy Paws

For anyone looking to insure their pets, pet insurance can be a confusing topic. There are some important terms to understand along with key policy differences that can make one policy superior to another.

Here, we take a look at two of the most well-known and popular pet insurance companies so you can see the differences and similarities between the two providers. We take a look at Policy Coverage, Customer Service, Claims, Cost and some sample quotes.

Coverage

Pets Best and Healthy Paws are pretty even in terms of coverage, but Pets Best has shorter waiting periods and more options for levels of coverage. While both policies allow you to change reimbursement amounts and deductibles, Pets Best allows for more modification of the plan to allow for more customized care, including things like acupuncture and chiropractic care.

Coverage Chart

  Healthy Paws Pets Best
Reimbursement Levels 70%, 80%, 90% 70%, 80%, 90%
Deductible Options $100, $250, $500 $50, $100, $200, $250, $500, $1000
Waiting Period 15 days for accidents and illnesses 3 days for accidents, 14 days for illnesses
Wellness Coverage Not covered Add-on
Exam Fees Not covered Covered
Annual Cap No Unlimited or $5,000 based on selection
Claim Processing 10 business days 5 business days
Upper age limits No No
Hip Dysplasia Before age 6, 12-month waiting period No additional waiting period

Coverage winner: Pets Best

We like their customizable plans, and while the monthly may be slightly higher in some cases, they offer coverage for exam fees, wellness care and more options for alternative care than Healthy Paws.

Sample Quotes/Cost

Available coverage depends on the details of your pet, where you live, your pet’s age and health when you apply, breed and more. We used a few different options so you could see the differences.

To illustrate some of the differences in rates, we took at a look at two of the most common dog breeds in America = the French Bulldog and the Labradoodle. Even when we looked at Labradoodles as puppies, they are still cheaper to insure than Frenchies, but for the sake of this we used a French Bulldog puppy and a five-year-old Labradoodle, Seattle zip code 98112.

French Bulldog Puppy Sample Quote

Healthy Paws Pets Best
$250 deductible $250 deductible
80% reimbursement 80% reimbursement
$51.73 monthly $61.46 monthly

Labradoodle, Age 5 Sample Quote

Healthy Paws Pets Best
$250 deductible $250 deductible
80% reimbursement 80% reimbursement
$48.74 monthly $42.01 monthly

Cost Winner: Pets Best

While Pets Best may look more expensive when you look right at the hard-monthly number, the truth is that they have more options for coverage. Healthy Paws is a great standard insurance policy,

Claims

Claims processing is one of the most important considerations when choosing a pet insurance policy. If you are looking for fast processing, mobile apps and even direct pay to vets (instead of out-of-pocket), then both Healthy Paws and Pets Best are some of the best options out there.

Claims work in a pretty similar fashion with both Pets Best and Healthy Paws. Both offer a Vet Direct Pay option, which is counter to the usual process with pet insurance. Typically, you pay out of pocket for any and all services and the pet insurance companies reimburse you. The Vet Direct Pay option leaves the financial risk to the pet insurance company.

Pets Best Claims

Something to note with Pets Best: getting a pre-authorization is probably best. They have the right to deny any claim that doesn’t follow proper procedure, or if you didn’t have a baseline health exam done on your pet.

Pets Best also offers a mobile app, online claims processing, pre-authorization, optional Vet Direct Pay and free direct deposit on all claims.

Healthy Paws Claims

Like all pet insurance companies, Healthy Paws has their share of exclusions. They claim to repay claims within 10 days and they also have a mobile app where you can upload receipts and invoices. Located near Seattle and in a commitment to ‘going green’ they were the first to do away with the claim form. Now, you can upload your documents and fill out the form completely online.

Claims winner: Tie

It’s important to read the fine print, but overall it seems Pets Best is a little stricter on claims, but they pay more quickly than Healthy Paws (plus, Direct Deposit for the win!), so we called this one a draw.

Customer Satisfaction 

Healthy Paws and Pets Best both have good and bad reviews when it comes to pet parent satisfaction, and it’s hard to tell from these sites what is real and what is not. Of course, customers often review things they are unhappy with but here are the common themes we found from our team’s analysis of Yelp reviews:

Healthy Paws

Common issues include raising the monthly rate every year and the waiting periods are long. Customers like the claims processing and customer service.

Pets Best

Failure to cover items they say they will (often due to lack of medical baseline examination – read the fine print). Customers don’t tend to like customer service.

Here’s how to get the best customer satisfaction:

  • Enroll your pet as young as possible
  • Try to stay with the same provider
  • Do your research on your breed and conditions
  • Read the fine print (and read it again)

Customer Satisfaction winner: Healthy Paws

While we don’t like to see annual rate hikes (sometimes as much as 100%) – we like that the majority of folks say their claims are processed and paid for.

Overall winner: Pets Best

While we love Healthy Paws too, we think the way things stack up, the variety of options for plans, the wellness and alternative care and the consistency of cost year after year are what make Pets Best our top choice.

Get a Pets Best quote now!

Healthy Paws vs Embrace
Embrace vs Trupanion