Healthy Paws vs Pets Best: A Tight Race to the Finish

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Healthy Paws vs Pets BestThis 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. If coverage is similar (as it is for these 2 companies), then price may play a larger role in your decision-making process.

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

Policy Coverage

The table below shows specifically what is and isn’t covered by Healthy Paws and Pets Best.

 HealthyPawsPets Best
Overall Ranking in our Pet Insurance Reviews1st2nd
Blood TestsCheckmarkCheckmark
MRICheckmarkCheckmark
RehabilitationCheckmarkCheckmark
SurgeryCheckmarkCheckmark
Hip Dysplasia Waiting Period12 Months*14 Days
ACL Waiting Period15 Days6 Months
HospitalizationCheckmarkCheckmark
Emergency CareCheckmarkCheckmark
Specialty CareCheckmarkCheckmark
Pre-Existing Conditions
Check Ups, Vaccinations, Spay/Neuter, Teeth CleaningExtra Fee
Non-Routine Dental TreatmentCheckmarkCheckmark
Chronic ConditionsCheckmarkCheckmark
Illnesses Waiting Period15 Days14 Days
Accidents Waiting Period15 Days3 Days
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
Diagnostic TreatmentCheckmarkCheckmark
Alternative/Holistic TherapyCheckmarkCheckmark
Behavioral TherapyCovers related exam fees & RX meds
Prescription MedicationsCheckmarkCheckmark
Exam FeesCheckmark
Enrollment Fee$25
30-Day Money Back GuaranteeCheckmarkCheckmark
Claim LimitsUnlimited$5,000 or Unlimited
BBB RatingA+A+
UnderwriterWestchester Fire Insurance Company/ChubbAmerican Pet Insurance Company
A.M. Best RatingA++Unrated
No Exam Required to Set Baseline for Pet's HealthCheckmark

*Healthy Paws only offers hip dysplasia coverage to dogs enrolled before the age of 6.

To summarize, Pets Best requires no exam to set your pet’s health baseline, covers exam fees, 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 for coverage.

Pets Best logoWinner: Pets Best

Customer Service & Reputation

Healthy Paws has one of the best reputations in the pet insurance business. The majority of Healthy Paws and Pets Best customer complaints are from customers who, unfortunately, didn’t read or understand their policy.

Complaints include the companies not paying a claim during a waiting period, not paying as much of a claim due to the deductible and reimbursement level selected, not covering pre-existing conditions, etc. We can’t fault Healthy Paws or Pets Best for these complaints because there are similar complaints about all pet insurance providers.

Instead, we hope to inform pet parents on the terms of pet insurance, so that they understand fully what is and is not covered when they purchase pet insurance. This is something we think all pet insurance providers can help with as well.

Pets Best has slightly more negative reviews online than Healthy Paws. We think part of these negative

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

Pets Best reviews may be due to the company changing its underwriter in the past. Pets Best still has great customer service and reputation; it’s just that Healthy Paws has a better reputation.

Another reason we think Healthy Paws is the winner of this category is that Healthy Paws leads the pet insurance providers with positive changes, whereas Pets Best seems to react to competitors to keep up with the competition. While we think it’s great that both companies offer excellent customer service and coverage, we want to point out that Healthy Paws has been consistent with its performance longer than Pets Best and led the industry as the first company to offer unlimited claim limits.

Healthy Paws logoWinner: Healthy Paws

Timeliness Of Claim Repayment

Doctor's office papers: Timeliness Of Claim Repayment

Healthy Paws pays 99% of its claims within 2 days while Pets Best averages about an 8-day claim repayment or less. Both timelines are among the shortest when compared to other pet insurance companies.

Both companies have a history of repaying claims in a timely fashion, with Healthy Paws having a slightly better reputation. So we declare Healthy Paws the winner of this category.

We’d like to mention that Pets Best is currently experiencing longer claim repayment averages (25 to 40 days) because of the increase in customers. We are keeping an eye on this and will update our content as things change.

Healthy Paws logoWinner: Healthy Paws

Price Of Policy

This category was tricky for us to declare a winner. For the most part, both companies are priced similarly in terms of monthly premiums. Below are some quotes we pulled on December 16, 2019. All information is for pets without a microchip, no multi-pet discount and no pre-existing conditions.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual MaximumPrice Per Month
Healthy PawsYorkshire TerrierDecember 2016MaleOhio (43205)$10080%Unlimited$30.93
Pets BestYorkshire TerrierDecember 2016MaleOhio (43205)$10080%Unlimited$31.05
Healthy PawsYorkshire TerrierDecember 2016MaleOhio (43205)$10090%Unlimited$38.62
Pets BestYorkshire TerrierDecember 2016MaleOhio (43205)$10090%Unlimited$34.50
Healthy PawsLabrador RetrieverApril 2016FemaleCalifornia (90024)$25080%Unlimited$82.60
Pets BestLabrador RetrieverApril 2016FemaleCalifornia (90024)$25080%Unlimited$75.35
Healthy PawsMedium Mixed BreedJanuary 2014FemaleIllinois (60604)$50070%Unlimited$39.03
Pets BestMedium Mixed BreedJanuary 2014FemaleIllinois (60604)$50070%Unlimited$29.69
Healthy PawsMedium Mixed BreedJanuary 2014FemaleIllinois (60604)$25070%Unlimited$45.91
Pets BestMedium Mixed BreedJanuary 2014FemaleIllinois (60604)$25070%Unlimited$40.90
Healthy PawsAmerican Pitbull TerrierSeptember 2017MaleNew York (10012)$50070%Unlimited$63.52
Pets BestAmerican Pitbull TerrierSeptember 2017MaleNew York (10012)$50070%Unlimited$45.49

Dog laying next to money: (text in image: pricing winner)When we ran additional price quotes, Healthy Paws was consistently among the 4 least expensive, and Pets Best was either the least expensive or among the 3 least expensive. The quotes can be very similar between these two companies.

Additionally, Healthy Paws requires a one-time fee of $25 and Pets Best has a transaction fee of $2 for every payment. So, while Pets Best was less expensive more often than Healthy Paws, it also has a recurring fee that can make its cost closer to Healthy Paws. This is why we have a tie for this category.

We encourage you to run your own quotes to understand how the pricing stacks up for you and your pet.Healthy Paws & Pets Best logos

Winner: Healthy Paws & Pets Best (Tie)

Coupons

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.

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 to discuss current offers.

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 a more recognizable and established reputation.

Healthy Paws should be on the lookout though; Pets Best is putting up an excellent fight to earn the winner’s spot in our pet insurance reviews. You can learn more about Pets Best and Healthy Paws by reading our individual reviews.

Healthy Paws logoWinner: Healthy Paws

Do you have an experience with Healthy Paws or Pets Best 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.
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