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

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
Blood TestsCheckmarkCheckmark
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 Dysplasia Waiting Period12 Months6 Months
Chronic ConditionsCheckmarkCheckmark
Illnesses Waiting Period15 Days15 Days
Accidents Waiting Period15 Days15 Days
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
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+
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$19.60
Healthy Paws$25090%Unlimited$24.41

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 and you will automatically receive up to a 5% discount. The actual discount varies based on individual state regulations. You can also visit our dedicated Healthy Paws promotions page to discuss current offers.


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!

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?

About The Author:

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

Kimberly's natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing canine products and services. With every piece she writes, her goal is to help our readers find the best fit for their unique needs. Kimberly grew up in a family that loved Labrador Retrievers and remembers running and playing in the yard with them as a child.

In 2017, she and her husband adopted their Coonhound mix, Sally, from a local shelter. Kimberly’s research was put to good use since Sally faced some aggression issues with other dogs and needed some training to be an inside dog. She worked daily with Sally and sought help from professionals to help Sally become the happy pup she is today. One of Kimberly’s favorite pastimes is spoiling Sally with new toys, comfy beds, and yummy treats (she even makes homemade goodies for her). She tries to purchase the safest products for Sally and knows that each canine has their own specific likes and dislikes. Kimberly is passionate about dogs and knows the bond between humans and canines is like no other.

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.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

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