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 HealthyPaws 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.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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Terry Timonte
August 4, 2020 7:09 pm

Healthy Paws coverage is highly breed specific. We just adopted a 1-year-old Rottweiler. Due to her breed, we can only get a $500 deductible and 70% coverage with a $79 a month premium. I would definitely be willing to pay a higher monthly premium for a lower deductible or % but was told due to her breed, we can not. If we had a $3500 vet bill…a $500 copay and having to pay 30% of the bill… we would be paying over 40% of the original bill…EXTREMELY disappointing! $250 copay and 80% coverage is available Pet Plan and other top competitors with even a lower monthly premium!

April 6, 2020 6:31 pm

Another disappointed customer:
Yup… I have been with PetPlan (minus a couple year break) since probably 2010-2011. I went through the rate increase but I loved the coverage and I knew that they always took good care of me. I also attributed my rates to having a pure breed boxer. I expected to pay more and they were there for me when she got cancer. I did not have to put my dog to sleep because of money issues. They even sent me a check almost 1 year later that they had “missed” some how. They were great back then.

So when I got my mixed breed rescue dog I was happy to have a much lower rate. However, things have drastically changed. My rates have more than doubled! Then they are subtracting a non-claim “discount” so you only have to pay roughly a 48% increase (as long as you continue not to use the insurance). That is super shady.

Here is an example. My cat, he’s probably 8 years old, healthy youngish cat. His rate last year was $360. This year it’s going to be $536. Now that’s not all. Because I have never used the insurance there is a discount of $227.20. Ahh that wouldn’t be so bad if it were coming off the $536 but it’s not. The real rate is actually $757. So my rate is going from $360 to $757 but I only have to pay $536 because I haven’t used the insurance. What is that about. Is that supposed to make me feel better about paying 48% more than last year. So what happens if I need to use the insurance. I have paid 48% more in my premium, I can look forward to paying my $300 deductible plus I can look forward to paying double my rate next year. Um.. this was another case of new underwriter I believe and I don’t know who is managing this transition but it is shady shady shady! I too am going to take on the risk of potential pre-existing conditions and look elsewhere for coverage.

I can’t imagine this isn’t going to rip through the petplan community. I typically expect an increase so I don’t usually bother reviewing the letter before renewal so this was able to slip by me and get onto my credit card. Nowhere was there any warning clearly stating HEY YOUR PREMIUM IS GOING UP ALMOST 50% or more.. That is a change that should have been forcefully communicated. Not hid in a pdf file that you have to go find and read through. I’m on auto-pay, auto-renewal for a one time annual amount. Ouch! Now I feel so bad because I recommend this plan to so many people. My neighbor just had a bad experience with them too (my recommendation) but before I caught wind of these changes in fees so it didn’t make sense to me at first. I’m shocked. This is bad business. There are much better ways to get people to pay more. Oh and my deductibles all went up too. Did I mention I haven’t used either of the two policies I have. One is at least 3 years old and the other at least 2.

Here’s a thought.. I believe insurance companies in general make good money. So why not fund some research or education so that we can foster smarter pet owners and more science for healthier pets or help with legislation to ban puppy mills that put so many sick and overbred dogs into the community. Then maybe there would not be such a draw on the insurance company and keep our premiums reasonable. It’s already a hard sell to many pet owners out there. I work in dog rescue so I know. It’s not going to fly if it is so expensive. Just a thought.

December 13, 2019 3:57 pm

Lost faith in PetPlan after many years. For what it’s worth 3 have had 3 great pyrenees on PetPlan over the last 10 years. At one point we were paying almost $2K/yr for our oldest and he ended up having ~$1,500 in claims over the lifetime of the policy. However, our youngest required bilateral CBLOs and had complications. Even though PetPlan did reimburse $18K, they sent me a letter stating they were “adjusting” his policy from an unlimited 90% plan at $830/yr to $15K max 70% plan at $750/yr and that was the max they were willing to cover. Even though we will have pre-existing conditions, we are leaving pet plan on principle. If they increased our rates like we expected they would have recouped some costs and now they just have a large loss. I can’t see how this business decision makes sense.

Hopefully this helps someone else on the fence between PetPlan and other insurance providers. Choose wisely, as you can’t move from one insurer to another once you’ve had an issue without getting slapped with pre-existing conditions limitations.

June 8, 2017 9:26 pm

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!

David Somers
January 10, 2018 7:06 pm
Reply to  Howie

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
January 12, 2018 1:49 pm
Reply to  David Somers

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.

Keyai - Petplan Community Manager
June 15, 2017 2:42 pm
Reply to  Howie

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 your phone number and policy number and I will be sure to have a Petplan team member contact you to review your options.

Suzanne Evers
February 22, 2017 8:30 pm

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?

February 18, 2017 2:35 pm

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!

June 8, 2017 9:32 pm
Reply to  Julie

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.

September 25, 2017 12:51 pm
Reply to  Howie

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

September 22, 2014 4:14 pm

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).