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Pet insurance is a great proactive solution if you sign up before a health emergency occurs with your dog. It’s your responsibility to think ahead in case something bad happens. Could you afford treatment for a cancer diagnosis?
Perhaps Trupanion or Healthy Paws is the solution you need to reduce your financial risk. Find out which pet insurance provider is the top dog. We compare features and give you a side-by-side quote comparison to show you the different options.
Visit Healthy Paws’ Website | Visit Trupanion’s Website
TRUPANION FLORIDA RESIDENTS: The plan reviewed here is not available for new customers in Florida. Contact Trupanion to learn more about what is available in your state and read the policy carefully for details.
Policy Coverage
We know it’s easier to compare 2 companies by seeing what they cover side by side. That’s why we’ve created this pet insurance comparison table to help you see the similarities and differences between Trupanion and Healthy Paws.
| Healthy Paws | Trupanion | |
|---|---|---|
| Overall Ranking in our Pet Insurance Comparison | 1st | Not Ranked |
| Blood Tests |  | |
| Cat Scans | | |
| MRI | | |
| Rehabilitation | | |
| Behavioral Therapies | |
|
| Specialized Exams | | |
| Surgery | | |
| Hospitalization | | |
| Emergency Care | | |
| Specialty Care | | |
| Hydrotherapy | | |
| Pre-existing Conditions | ||
| Check Ups, Vaccinations, Spay/Neuter, Teeth Cleaning | ||
| Non-Routine Dental Treatment | | |
| Hip Dysplasia Waiting Period | 12 Months | 30 Days |
| Chronic Conditions | | |
| Illnesses Waiting Period | 15 Days | 30 Days |
| Accidents Waiting Period | 15 Days | 5 Days |
| Hereditary Conditions | | |
| Congenital Conditions | | |
| Diagnostic Treatment | | |
| Alternative/Holistic Therapy | | Extra Fee |
| Prescription Medications | | |
| Enrollment Fee | $25 | $35 ($25 in WA and $0 in MD and MI) |
| 30-Day Money Back Guarantee | | (30-Day Certificate) |
| Claim Limits | Unlimited | Unlimited |
| BBB Rating | A+ | B+ |
| Underwriter | Westchester Fire Insurance Company/Chubb | American Pet Insurance Company |
| A.M. Best Rating | A++ | Unrated |
| No Exam Required to Set Baseline for Pet's Health | |
As you can see, Trupanion and Healthy Paws offer nearly identical coverage. The only differences are that Healthy Paws does not cover behavioral therapies and Trupanion charges extra for alternative/holistic therapy.
One main difference is that Healthy Paws has an annual deductible, whereas Trupanion’s deductible is per-condition and lifetime. This Healthy Paws feature is important if your pet experiences multiple accidents or illnesses during the policy period (one year). However, if your dog is subject to chronic conditions, like allergies, hip dysplasia, cancer, urinary tract infections, etc., then Trupanion’s per-condition deductible for the life of your pet may be a better choice.
Both companies charge a one-time enrollment fee, and Healthy Paws requires a vet exam within the last 12 months or 15 days of policy issuance for dogs younger than 6. For dogs older than 6, you must have a vet examine for your dog within the last 30 days or 15 days of policy issuance.
You’ll also notice that Healthy Paws has a better rating from the Better Business Bureau and its underwriter has an A++ A.M. Best rating, which is the best we’ve seen from any pet insurance company.
Winner: Healthy Paws & Trupanion (Tie)
Customer Service & Reputation
Customer service and reputation are often overlooked by consumers, but we think it’s one of the most important elements you should consider. We hope you never have to file a claim, but should the need arise, we want it to be as painless and easy on you as possible.
It doesn’t matter how much you pay; if you call a company and never get your questions answered or problems solved, you feel like you’ve wasted your money.
Healthy Paws has some of the best customer service we’ve seen. Just check out the reviews we’ve received from real customers raving about their experiences. Trupanion, on the other hand, has more negative reviews than we like to see.
Winner: Healthy Paws
Timeliness Of Claim Repayment
Healthy Paws pays 99% of its claims within 2 days. This is a pretty short repayment period. Just think of times when you’ve filed a claim for a car accident or on your homeowners policy. Bet it took a while for the companies to pay up.
Trupanion allows up to 60 days to pay claims. That’s a long time. If your dog required a medical emergency that cost over $1,000, would you be able to go 60 days without getting reimbursed? That being said, you should also have your vet call Trupanion’s claims center before you pay. Trupanion may be able to pay your vet directly for the covered portion of your bill so you wouldn’t have to be reimbursed at all.
Winner: Healthy Paws
Price Of Policy
To give you an example of the price difference between Trupanion and Healthy Paws, we’ve created a quote comparison for dog insurance.
Characteristics considered for these quotes:
- Neutered male Jack Russel Terrier, 2-years-old
- No microchip, multi-pet discount or pre-existing conditions
- Residency in New York (zip code 10034)
- Quote is from December 13, 2019
| Deductible | Reimbursement % | Price Per Month | |
|---|---|---|---|
| Healthy Paws | $250 | 90% | $37.56 |
| Trupanion | $250 | 90% | $79.58 |
| Healthy Paws | $500 | 90% | $31.92 |
| Trupanion | $100 | 90% | $102.35 |
To see more quote comparisons, take a look at our pet insurance quotes page. You’ll find that Trupanion was consistently more expensive than Healthy Paws for every quote we ran. When you take coverage into consideration as well, you’re getting a better bang for your buck with Healthy Paws.
Winner: Healthy Paws
Coupons
Healthy Paws
Trupanion
Why Should You Get Pet Insurance?
Find out why Michael chose to get pet insurance for his pup, Bambie. He makes some pretty valid points.
What’s The Verdict?
Healthy Paws is the clear winner in this comparison. For similar coverage, better customer service reputation and a shorter claim repayment, most people can save money by choosing Healthy Paws over Trupanion.
Winner: Healthy Paws
If you’d like to see how all the national providers compare against one another, be sure to read our best pet health insurance reviews. We’ve ranked the top companies so you can see where Healthy Paws, Trupanion and all the others fall.
Which pet insurance company looks better to you and why?
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