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 rankings, but in the end we chose a winner between Healthy Paws and Pets Best. We explain our reasoning, but want to remind you that you should always get quotes for your unique pet because 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

 Healthy PawsPets Best
Policy CoverageCheckmark
Customer Service & ReputationCheckmark
Timeliness of Claim RepaymentCheckmarkCheckmark
Price of PolicyCheckmarkCheckmark
Overall WinnerCheckmark

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
Hip DysplasiaCheckmark
Waiting Period - 12 Months*
Waiting Period - 14 Days
Waiting Period - 15 Days
Waiting Period - 6 Months
Emergency CareCheckmarkCheckmark
Specialty CareCheckmarkCheckmark
Pre-Existing Conditions
Check Ups, Vaccinations, Spay/Neuter, Teeth CleaningExtra Fee
Non-Routine Dental TreatmentCheckmarkCheckmark
Chronic ConditionsCheckmarkCheckmark
Waiting Period - 15 Days
Waiting Period - 14 Days
Waiting Period - 15 Days
Waiting Period - 3 Days
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
Cancer TreatmentsCheckmarkCheckmark
Diagnostic TreatmentCheckmarkCheckmark
Alternative/Holistic TherapyCheckmarkCheckmark
Behavioral TherapyCover 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+
UnderwriterACE Property & Casualty (Chubb)American 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, they get points deducted for not accepting dogs older than 14-years-old 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 can hope to inform pet parents more 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 Pets Best reviews may be due to the company changing its insurance carrier several times 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 can’t help but point out that Healthy Paws has been consistent with its performance longer and led the industry being the first company to offer unlimited claim limits.

Healthy Paws logoWinner: Healthy Paws

Timeliness Of Claim Repayment

Healthy Paws pays its claims within 10 days while Pets Best averages about a 5-day claim repayment. 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 only a slightly better reputation. So we declare this category a tie.

Winner: Healthy Paws & Pets Best (Tie)

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 May 15, 2018. All information is for pets without a microchip, no multi-pet discount and no pre-existing conditions.

 BreedBirthday/GenderGenderLocationDeductibleReimbursement %Annual MaximumPrice Per Month
Healthy PawsYorkshire TerrierDecember 2016MaleColumbus, Ohio (zip code 43205)$10080%Unlimited$36.98
Pets BestYorkshire TerrierDecember 2016MaleColumbus, Ohio (zip code 43205)$10080%Unlimited$32.49
Healthy PawsYorkshire TerrierDecember 2016MaleColumbus, Ohio (zip code 43205)$10090%Unlimited$43.62
Pets BestYorkshire TerrierDecember 2016MaleColumbus, Ohio (zip code 43205)$10090%Unlimited$36.10
Healthy PawsLabrador RetrieverApril 2016FemaleLos Angeles, California (zipcode 90024)$25080%Unlimited$50.79
Pets BestLabrador RetrieverApril 2016FemaleLos Angeles, California (zipcode 90024)$25080%Unlimited$70.33
Healthy PawsMedium Mixed BreedJanuary 2014FemaleChicago, Illinois (zipcode 60604)$50070%Unlimited$38.59
Pets BestMedium Mixed BreedJanuary 2014FemaleChicago, Illinois (zipcode 60604)$50070%Unlimited$31.07
Healthy PawsMedium Mixed BreedJanuary 2014FemaleChicago, Illinois (zipcode 60604)$10070%Unlimited$57.57
Pets BestMedium Mixed BreedJanuary 2014FemaleChicago, Illinois (zipcode 60604)$10070%Unlimited$56.12
Healthy PawsAmerican Pitbull TerrierSeptember 2017MaleNew York City, New York (zipcode 10012)$25090%Unlimited$76.68
Pets BestAmerican Pitbull TerrierSeptember 2017MaleNew York City, New York (zipcode 10012)$25090%Unlimited$81.98

We also ran more price quotes, where Healthy Paws was consistently the third least expensive and Pets Best was either the least expensive or second least expensive. The prices tend to 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 found to be less expensive for 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.

Winner: Healthy Paws & Pets Best (Tie)


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.

Pets Best

Our readers have access to an exclusive PetsBest discount of 5% off BestBenefit plans for the first year! Just use this link to get started (Eligible in all states except AK, FL, HI and TN and does not apply to accident-only plan or wellness rider). You can also visit our dedicated Pets Best promotions page to discuss current offers.

Overall Winner

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 Healthy Paws has a more recognizable and established reputation. While the checkmarks are even, we feel that Healthy Paws wins by a hair in this comparison.

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?

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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Can you please clarify the hip dysplasia waiting period. At the top of the page you have it listed as 6 months but further down its states 14 days.

Thank you

My Healthy Paws policy jumped from $39 per dog to $49 per dog ( monthly). Went to Pet’s Best, and exact same policy was only $34 per dog. Healthy Paws claimed increase because my dog breed ( Schnauzer) cost more per treatment at the vets. I call B.S. Vet doesn’t change rates based on breed for care, that’s absurd.
I have had Pets Best since 2017. I paid $529 for 2 dogs with unlimited coverage, 90% coverage, and $1000 deductible. We moved in late December to another state which caused my premium to go up $6.25/month. My policy renewed with them this month and it increased to $709/yr for the same two dogs. Taking account for the premium change when we moved states, this was an increase of about $100/yr. I decided to look at healthy paws and see if I could get a cheaper rate. With Healthy Paws unlimited coverage, 80% coverage, and $500 deductible per year, my quote was $1090 for the year. Not sure if this is new for healthy paws, but they definitely aren’t cheaper. They also don’t offer a $1000 deductible, which I prefer because I would rather pay a little more out of pocket to keep my premium down.
Anonymous II
I like the shorter wait periods. If my dog experiences an accident, I don’t want to wait two weeks before getting him care. Plus, given the fact that both companies are very close in pretty much all other regards, I’m tending toward Pets Best.
I was on the (dog) fence about this, so I think this convinced me to go with Healthy Paws…