Healthy Paws vs Petplan: Who Comes Out on Top?

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Healthy Paws vs PetplanPet 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

 Healthy PawsPetplan
Policy CoverageCheckmark
Customer Service & ReputationCheckmark
Timeliness of Claim RepaymentCheckmark
Price of PolicyCheckmark
Overall WinnerCheckmark

Policy Coverage

We find it’s often clearer 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.

 HealthyPawsPetplan
Overall Ranking in our Pet Insurance Reviews1st3rd
X-RaysCheckmarkCheckmark
Blood TestsCheckmarkCheckmark
UltrasoundsCheckmarkCheckmark
MRICheckmarkCheckmark
RehabilitationCheckmarkCheckmark
SurgeryCheckmarkCheckmark
HospitalizationCheckmarkCheckmark
Emergency CareCheckmarkCheckmark
20% copay unless it's life threatening (covered at 100%)
Specialty CareCheckmarkCheckmark
Exam FeesCheckmark
Pre-Existing Conditions
Check-Ups, Vaccinations, Spay/Neuter, Teeth Cleaning
Non-Routine Dental TreatmentCheckmarkCheckmark
Hip DysplasiaCheckmark
Waiting Period - 12 Months
Checkmark
Waiting Period - 15 Days
Chronic ConditionsCheckmarkCheckmark
IllnessesCheckmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 15 Days
AccidentsCheckmark
Waiting Period - 15 Days
Checkmark
Waiting Period - 5 Days
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
Cancer TreatmentsCheckmarkCheckmark
Diagnostic TreatmentCheckmarkCheckmark
Behavioral TherapiesCheckmark
Alternative/Holistic TherapyCheckmarkCheckmark
Prescription MedicationsCheckmarkCheckmark
Enrollment Fee$25
30-Day Money Back GuaranteeCheckmarkCheckmark
Claim LimitsUnlimited$2,500, $5,000, $10,000, $20,000, $25,000 or Unlimited
BBB RatingA+A+
UnderwriterACE Property & Casualty (Chubb)XL Specialty Insurance Company (XL Catlin)
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 logoWinner: Petplan

Customer Service & Reputation

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 prices 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 has been more consistent in recent years with customer feedback.

Healthy Paws logoWinner: Healthy Paws

Timeliness Of Claim Repayment

Petplan averages a 5 to 14 day claim repayment but allows up to 30 days. Healthy Paws has a great 10 day claim repayment commitment. We think Healthy Paws is slightly better here with a max timeline of 10 days, which is why it is the winner for this category.

Healthy Paws logoWinner: 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 it will cover to make sure you are getting the most out of your policy.

Characteristics considered for these quotes:

  • Yorkshire Terrier, 4-months-old
  • No Microchip, multi-pet discount or pre-existing conditions
  • Residency in Columbus, Ohio (zip code 43205)
  • Quote is from May 14, 2018
 DeductibleReimbursement %Annual MaximumPrice Per Month
Healthy Paws$25080%Unlimited$29.49
Petplan$25080%Unlimited$30.53
Healthy Paws$25090%Unlimited$34.37
Petplan$25090%Unlimited$37.41

The quotes above are quite similar, but Healthy Paws is slightly less expensive. When we ran other pet insurance quotes, Petplan tended to be among the middle or toward the more expensive side while Healthy Paws was consistently among the least expensive.

Healthy Paws logoWinner: Healthy Paws

Coupons

Healthy Paws

Use this link and you will automatically receive up to a 10% discount. The actual discount varies based on individual state regulations. You can also visit our dedicated HealthyPaws promotions page to discuss current offers.

Petplan

Use coupon code CanineJournal to receive an additional 5% discount (10% total if you sign up online). Alternatively, if you call 800-237-1123 you will automatically get the additional 5% discount! You can also visit our dedicated Petplan promotions page to discuss current offers.

When Does Pet Insurance Matter?

It is 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.

Overall Winner

In the end, Healthy Paws is our winner, but Petplan puts up a great fight with excellent coverage and possibly comparable prices (we suggest you run quotes for your specific pet). Although Healthy Paws is our winner here, we think if you chose Petplan you’d be pleased with your experience as well.

Healthy Paws logoWinner: 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?

Disclaimer: Information regarding insurance company offerings, pricing and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new pet health insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.
Growing up, Kimberly used to get the sniffles when she was around dogs. Thankfully, she grew out of her allergy and is now able to play and snuggle with dogs as much as she wants! She and her husband adopted Sally, a four-year-old hound mix, in early 2017, and she has brought so much joy into their lives. Life as pet parents has been very rewarding.

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Howie
I currently have Pet Plan and I have really not been happy with them. One of the main reasons is because more recently, they increased our deductible from $200 to $450, which is also per incident without notifying us of the change nor reducing our monthly premiums. We were quite surprised to find out that after our dog had to have a procedure done following a dog bite to his neck that because of the dramatic increase in the deductible, we would be receiving no reimbursement. At $450 per incident, I am starting to think that Pet Plan is really not worth the monthly premiums at all.

I have been highly considering switching to Healthy Paws after reading the reviews on this site. Some of the most intriguing aspects of Healthy Paws is that the deductible is annual, instead of per incident, which makes a massive difference compared to Pet Plan. I am surprised you didn’t mention that Pet Plan’s deductibles are per incident above, as it makes a huge difference.

I sincerely appreciate the information about all of these different insurance options. It looks like we are definitely going to need to move on from Pet Plan, which seems to virtually cover nothing and has now made it even more difficult with the new deductible that we didn’t find out about until we made a recent claim because they never notified us. Healthy Paws seems to be the best option, based on the pros and cons that you talk about in your review.

Thanks for the heads up! Hopefully, they will be much more helpful for both our pets and wallets!

All the best!

Keyai - Petplan Community Manager
Hi Howie,
I’m sorry to read you are not happy with Petplan. I understand that you have experienced some changes in your policy that you do not find beneficial. In many cases we are able to address the concerns you have with the cost of the policy after reviewing in more detail all of the options available to you. Would you be willing to speak with us over the phone to discuss all of your options? Please email us at socialmedia@gopetplan.com your phone number and policy number and I will be sure to have a Petplan team member contact you to review your options.
David Somers
They did the same thing to me! I only discovered it when I went to view our cat’s policy online. I called them immediately and, even though they made the change without notifying me, they said they could not make a change to the deductible until my next renewal. She compared it to “open enrollment” on a human policy. In effect, they are forcing me to change companies to get the insurance I want for Lily! Oh well, life goes on 🙂
Keyai - Petplan Community Manager
Hi David, I saw your post and have asked a Petplan team member to follow-up to review your request and see if we can resolve the issue you are having.
Suzanne Evers
I have an older dog (9 yrs.) who has never been insured. I want to get some now. Any thoughts on best price for older dog?
Julie
We are currently looking in to switching to Healthy Paws since our Petplan costs are increasing. The biggest difference for us is that Petplan charges a “per condition” deductible of $300 (it’s $48 per month if you’d like an annual deductible), and Healthy Paws has an “annual” deductible of $250 with much lower rates. Based on all of the reviews that I have read, I think we’ll be switching!
Howie
Just had to comment here because I just happened to mention it in a comment myself. I can’t stand that Pet Plan charges a hefty deductible per condition, which I am not sure if you noticed that they recently increased from $200 to $450 without notifying anyone. It seems virtually impossible to get reimbursement from Pet Plan and we have been with them for nearly two years.

Since we recently adopted a second dog (10-month-old Beagle mix), we are highly considering a switch to a different company that is more reasonable to have them both covered. I am personally thinking about going with Healthy Paws based on the things I am reading.

I hope it works out better for you as well. I will try to drop by with an update once we switch to let others know if it makes a significant difference and improvement.

Tammy
Pet Plans new policies are annual deductible. I had them for both my goldens. Our older girl, was diagnosed with mammary cancer in July. At that time her policy had the per incident deductible, so that did bite us. The did how ever pay promptly, and the customer service was great. She has since passed away and we have another golden rescue. I am in the process of deciding to stay with Pet Plan or switch both dogs to Healthy Paws. Cost is about the same for either company. I sure wish I could switch my boy to the annual deductible at Pet Plan, but was told I have to wait until renewal. Decisions, Decisions
NickQuotes
You can’t go wrong with either of those companies – Healthy Paws doesn’t have annual payout limits but Petplan has been around a bit longer so deciding between the two basically comes down to the best price for your given pet (breed and age).