Healthy Paws vs Petplan: Who Comes Out on Top?

Pet insurance is essential for all responsible pet owners. It prepares you financially to deal with any unexpected (and expensive) accident or illness. This is why we regularly review the top pet insurance companies to find out who comes out on top.

This time, we’re putting 2 of our top-rated insurers in the ring: Healthy Paws vs Petplan to see which plan is a better value and the best fit for you and your pup.

Visit Healthy Paws’ Website Visit Petplan’s Website

Policy Coverage

We find it often helps to compare 2 companies side by side to see how they stack up. Below is a pet insurance comparison table to help show you some differences and similarities between Healthy Paws and Petplan.

 Healthy PawsPetplan
Overall Ranking in our Pet Insurance Reviews1stNot Ranked
Exam FeesCheckmark
Pre-Existing Conditions
Check-Ups, Vaccinations, Spay/Neuter, Teeth Cleaning
Hip Dysplasia Waiting Period12 Months6 Months
Illnesses Waiting Period15 Days15 Days
Accidents Waiting Period15 Days15 Days
Behavioral TherapiesCheckmark
Enrollment Fee$25
30-Day Money Back GuaranteeCheckmarkCheckmark
Claim LimitsUnlimited$5,000, $15,000, or Unlimited
BBB RatingA+A+
UnderwriterWestchester Fire Insurance Company/ChubbXL Specialty Insurance Company
A.M. Best RatingA++A+
No Exam Required to Set Baseline for Pet's Health

As you can see, Petplan covers behavioral therapies and exam fees. It also has a shorter waiting period for hip dysplasia, which is why we think it has slightly better coverage than Healthy Paws.Petplan logo

Winner: Petplan

Customer Service & ReputationPerson holding phone next to dog: Customer Service Winner

Both Healthy Paws and Petplan have excellent customer service. Ultimately, it comes down to Petplan having a few more negative reviews from 2016 to 2017 due to a change in underwriters. This resulted in price increases for existing customers, and Petplan received an influx of negative feedback.

Since then, Petplan has bounced back, and customers have come to terms with their new premium prices, but we give Healthy Paws the nod here since it’s been more consistent in recent years with customer feedback.Healthy Paws logo

Winner: Healthy Paws

Timeliness Of Claim RepaymentDoctor's office papers and stethescope (text in image: claim repayment winner)

Petplan averages 5 to 14 business days for claim repayment but allows up to 30 days. Healthy Paws repays 99% of claims in 2 days. Healthy Paws is slightly better here with a max timeline of 10 days, which is why it wins this category.Healthy Paws logo

Winner: Healthy Paws

Price Of Policy

We found it super helpful to look at some examples of specific dog quotes for pet insurance, but always keep in mind that every insurance quote is different based on your particular location, breed, age and more. So, to make sure you understand the price differences for YOUR PET, be sure to run a quote from at least 3 companies to compare and contrast pricing and what each covers to make sure you’re getting the most out of your policy.

Characteristics considered for these quotes:

  • Yorkshire Terrier, female 4 months old
  • No microchip, multi-pet discount or pre-existing conditions
  • Residency in Columbus, Ohio (43205)
  • Quote is from December 16, 2019
 DeductibleReimbursement %Annual MaximumPrice Per Month
Healthy Paws$25080%Unlimited$26.15
Healthy Paws$25090%Unlimited$32.64

Dog laying next to money (text in image: pricing winner)Healthy Paws is much less expensive than Petplan. When we ran additional pet insurance quotes, Petplan tended to fall in the middle or toward the more expensive side, while Healthy Paws was consistently among the least expensive.Healthy Paws logo

Winner: Healthy Paws


Healthy Paws

Use this link to receive the best price we can offer you and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to discuss current discounts.


Our readers can save up to 10% & get a $25 Visa gift card when you enroll today with Petplan. Sign up online to receive this offer and get a quote for your pet. Alternatively, call 800-237-1123 if you prefer to speak to a person.

When Does Pet Insurance Matter?

It’s estimated that 6 million dogs and 6 million cats are diagnosed with cancer every year. See how Healthy Paws pet insurance has helped Baxter get much-needed cutting-edge treatment for his cancer.

What’s The Verdict?

In the end, Healthy Paws is our winner, but Petplan puts up a great fight with excellent coverage and customer service. As always, we suggest you run quotes for your specific pet. Although Healthy Paws is our winner here, we think if you choose Petplan, you’ll be pleased with your experience as well.Healthy Paws logo

Winner: Healthy Paws

Obviously, there are other pet insurance companies out there beyond our heavyweights. Feel free to see how they stack up against Healthy Paws and Petplan in our large pet insurance reviews article.

Do you have an experience with either Healthy Paws or Petplan you’d like to share?

Please Comment Below!

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