Healthy Paws vs Pets Best: A Tight Race

Two dogs sitting in sunset (caption: Healthy Paws vs Pets Best logos)This is the tightest race we had this year in our pet insurance rankings, but in the end, we chose a winner between Healthy Paws and Pets Best. We explain our reasoning below but want to remind you that you should always get quotes for your unique pet and location. If coverage is similar, then price may play a larger role in your decision-making process.

Visit Healthy Paws’ Website | Visit Pets Best’s Website

Dog under covers (caption: Policy Coverage Winner)Policy Coverage

The table below shows precisely what Healthy Paws and Pets Best cover. Note: Both companies cover X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, chronic conditions, cancer, euthanasia, hereditary conditions, congenital conditions, and prescription medication.

 Healthy PawsPets Best
Overall Ranking in our Pet Insurance Reviews2nd3rd
Pre-Existing ConditionsXX
Illnesses Waiting Period15 Days14 Days
Accidents Waiting Period15 Days3 Days
Hip Dysplasia Waiting Period12 Months*14 Days
ACL Waiting Period15 Days6 Months
Behavioral TherapyXCovers related exam fees & RX meds
Alternative/Holistic TherapiesXX
Wellness Care Available For An Extra FeeXCheckmark
Exam FeesXExtra Fee
Enrollment Fee$25X
30-Day Money Back GuaranteeCheckmarkCheckmark
Annual Payout OptionsUnlimited$5,000 or Unlimited
BBB RatingA+A+
UnderwriterWestchester Fire Insurance Company/ChubbAmerican Pet Insurance Company
A.M. Best RatingA++Unrated

*Healthy Paws only offers hip dysplasia coverage to dogs enrolled before the age of six.

Pets Best comes out ahead because it requires no exam to set your pet’s health baseline, covers exam fees (with a plan upgrade), offers wellness options, and has a shorter accident waiting period.

One of our favorite things about Healthy Paws is that it only offers unlimited lifetime benefits to its customers because it feels strongly that your pet should always be covered. However, it gets points deducted for not accepting dogs older than 14 years old for coverage.

Pets Best logoPolicy Coverage Winner: Pets Best

Customer Service & Reputation

Healthy Paws has one of the best reputations in the pet insurance business. In the past, Healthy Paws was leading the pet insurance industry with positive change and innovations. It was the first company to offer unlimited claim limits and is known for its stellar customer service. However, Healthy Paws has merely maintained the status quo in recent years, while Pets Best introduced new options.

Person holding phone next to dog: Customer Service & Reputation Winner

Pets Best has many negative reviews regarding a very slow claim repayment timeline. This is because Pets Best has received an influx of customers (due to its great coverage and low prices), which has caused an increase in claims. Unfortunately, Pets Best hasn’t been able to keep up with all the filed claims, which has delayed many repayments and caused some negative backlash from customers.

Once Pets Best gets a grasp on its claim repayment feedback, we could see it winning this category. But until then, Healthy Paws is the winner.

Healthy Paws logoCustomer Service & Reputation Winner: Healthy Paws

Claim Repayment

Doctor's office papers: Timeliness Of Claim Repayment

Healthy Paws pays 99% of their claims within two days — the best out of all the companies we review.

Pets Best used to average claim repayments in eight or fewer days, but they’ve fallen behind over the last year or so due to a higher volume of customers. Now, their averages are 25 to 40 days.

You may be able to have Healthy Paws or Pets Best pay your vet directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement, but this isn’t available everywhere, so check with your vet to see if this is an option for you.

Healthy Paws logoClaim Repayment Winner: Healthy Paws

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)The major differences between these two companies in your ability to customize your plan comes down to age restrictions. While Healthy Paws has unlimited payouts for all plans, they do have some restrictions on reimbursement and annual deductible amounts, depending on your pet’s age at enrollment.

  • Dogs and cats 5 years and under:
    • 90%, 80%, and 70% reimbursement
    • $100, $250, and $500 deductible
  • Dogs and cats 6 and 7 years old:
    • 80%, 70%, or 60% reimbursement
    • $250, $500, or $750 deductible
  • Dogs 8 years and older: 
    • 50% or 60% reimbursement
    • $750 or $1,000 deductible

Healthy Paws doesn’t enroll pets older than 14 years old. Pets Best offers a lot of customizable options with no age restrictions. Pets Best gives you the option of two annual payout options: $5,000 or unlimited. You can also choose your reimbursement level of 70%, 80%, or 90% and deductible of either $50, $100, $200, $250, $500, or $1,000.

Pets Best ultimately comes out on top because of greater flexibility to build your plan no matter your pet’s age.

Pets Best logoPlan Customization Winner: Pets Best

Price Of Policy

Dog laying next to money: (text in image: pricing winner)

Healthy Paws requires a one-time fee of $25, and Pets Best has a transaction fee of $2 for every payment. Below are some quotes we pulled on January 3, 2021. All information is for pets without a microchip, no multi-pet discount, and no pre-existing conditions.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual PayoutPrice Per Month
Healthy PawsYorkshire TerrierDecember 2017MaleOhio (43205)$10080%Unlimited$35.63
Pets BestYorkshire TerrierDecember 2017MaleOhio (43205)$10080%Unlimited$44.24
Healthy PawsYorkshire TerrierDecember 2017MaleOhio (43205)$10090%Unlimited$44.51
Pets BestYorkshire TerrierDecember 2017MaleOhio (43205)$10090%Unlimited$49.16
Healthy PawsLabrador RetrieverApril 2017FemaleCalifornia (90024)$25080%Unlimited$89.58
Pets BestLabrador RetrieverApril 2017FemaleCalifornia (90024)$25080%Unlimited$72.05
Healthy PawsMedium Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%Unlimited$45.58
Pets BestMedium Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%Unlimited$45.03
Healthy PawsMedium Mixed BreedJanuary 2015FemaleIllinois (60604)$25070%Unlimited$53.63
Pets BestMedium Mixed BreedJanuary 2015FemaleIllinois (60604)$25070%Unlimited$62.03
Healthy PawsAmerican Pitbull TerrierSeptember 2018MaleNew York (10012)$50070%Unlimited$74.32
Pets BestAmerican Pitbull TerrierSeptember 2018MaleNew York (10012)$50070%Unlimited$39.62

When we ran additional price quotes, Healthy Paws was consistently among the three least expensive, and Pets Best was either the least expensive or among the two least expensive. The quotes can be very similar or different between these two companies depending on your pet.

Pets Best was less expensive more often than Healthy Paws, so we declare them the winner in this category. However, we encourage you to run your own quotes to understand how the pricing stacks up for you and your pet.

Pets Best logoPrice Of Policy Winner: Pets Best 


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.

Pets Best

Pets Best offers two discounts that you may be eligible for when you use this link:
  • 5% multi-pet discount
  • 5% discount for military members and their families
You can also visit our dedicated Pets Best promotions page.

What’s The Verdict?

This was a tough one to compare because we think Healthy Paws and Pets Best are both excellent pet insurance providers. What it ultimately came down to was that Healthy Paws has better claim repayment and customer service reviews. If you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Pets Best and Healthy Paws so you can expand your comparison.

Healthy Paws logoOverall Winner: Healthy Paws

Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details of the most popular pet insurance companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.

Do you have an experience with Healthy Paws or Pets Best you’d like to share?