Trupanion vs Healthy Paws: A Pet Insurance Showdown

Two dogs sitting (Caption: Trupanion vs Healthy Paws logos)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 terrible 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. Our experts compare features and give you a side-by-side quote comparison to show you the different options.

Licensed Insurance Professional – Reviewed & Validated

Our licensed insurance professional, Michelle Schenker, has reviewed all content & its supporting research, including each company’s policy, customer feedback, underwriters, and more.

Visit Healthy Paws’ WebsiteVisit 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

Dog under covers (caption: Policy Coverage Winner)The table below shows specifically what Trupanion and Healthy Paws cover. Both companies cover x-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, hydrotherapy, chronic conditions, cancer, diagnostic treatment, alternative/holistic therapy, euthanasia, non-routine dental treatment, hereditary conditions, congenital conditions, and prescription medications.

 Healthy PawsTrupanion
Overall Ranking in our Pet Insurance Comparison2ndNot Ranked
Behavioral TherapiesCheckmark
Pre-existing Conditions
Check Ups, Vaccinations, Spay/Neuter, Teeth Cleaning
Hip Dysplasia Waiting Period12 Months30 Days
Illnesses Waiting Period15 Days30 Days
Accidents Waiting Period15 Days5 Days
Alternative/Holistic TherapyCheckmarkExtra Fee
Enrollment Fee$25$35 ($25 in WA and $0 in MD and MI)
30-Day Money-Back GuaranteeCheckmarkCheckmark
(30-Day Certificate)
Claim LimitsUnlimitedUnlimited
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

As you can see, Trupanion and Healthy Paws offer very similar 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 six. For dogs older than six, you must have a vet examine 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.

However, Trupanion ultimately edges past Healthy Paws in this category because they only have a 30-day waiting period for hip dysplasia, whereas Healthy Paws’ is 12 months. And Trupanion only has a five-day waiting period for accidents, while Healthy Paws’ is 15 days.

Trupanion logoPolicy Coverage Winner: Trupanion 

Customer Service & Reputation

Person holding phone next to dog: Customer Service & Reputation WinnerCustomer 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.

Healthy Paws logo

Customer Service & Reputation Winner: Healthy Paws

Claim Repayment

Doctor's office papers: Timeliness Of Claim RepaymentHealthy Paws pays 99% of its claims within two 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 (but averages 14 days). 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 wait for your reimbursement.

Healthy Paws logo

Claim Repayment Winner: Healthy Paws

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)Trupanion has a set 90% reimbursement and a set unlimited annual limit, so their policies aren’t nearly as customizable as many other pet insurance companies. Trupanion also has a per-incident deductible (choose from $0 to $1,000), which means you’ll have to meet the deductible multiple times for each emergency or illness in a given policy period. This can result in more expenses for you.

Healthy Paws has unlimited claims on all plans, and they also offer much more plan flexibility than Trupanion. Unfortunately, Healthy Paws has 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

Additionally, Trupanion offers coverage for pets starting at birth, while Healthy Paws’ coverage begins at 8 weeks old. Trupanion doesn’t enroll pets older than 13 years old. Meanwhile, Healthy Paws doesn’t register pets older than 14 years old (older than 4 years old aren’t eligible for enrollment in New York).

Healthy Paws logoPlan Customization Winner: Healthy Paws

Price Of Policy

Dog laying next to money: 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 2020
 DeductibleReimbursement %Price Per Month
Healthy Paws$25090%$41.44
Trupanion$25090%$101.00
Healthy Paws$50090%$35.22
Trupanion$10090%$130.49

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.

Healthy Paws logo

Price Of Policy Winner: Healthy Paws

Coupons

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 to discuss current discounts.

Trupanion

Looking for a Trupanion promo code? Click here for the best deal we could find.

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. If you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Trupanion and Healthy Paws so you can expand your comparison.

Healthy Paws logo

Overall Winner: Healthy Paws

Healthy Paws won this showdown against Trupanion, but how do these two companies stack up against other providers? Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, which includes more than 20 companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited claims, 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.

Which pet insurance are you leaning toward?

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