Trupanion vs Healthy Paws: A Pet Insurance Showdown

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Trupanion vs Healthy Paws Pet Insurance ReviewPet 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’ 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

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 PawsTrupanion
Overall Ranking in our Pet Insurance Comparison1stNot Ranked
Blood TestsCheckmarkCheckmark
Cat ScansCheckmarkCheckmark
MRICheckmarkCheckmark
RehabilitationCheckmarkCheckmark
Behavioral TherapiesCheckmark
Specialized ExamsCheckmarkCheckmark
SurgeryCheckmarkCheckmark
HospitalizationCheckmarkCheckmark
Emergency CareCheckmarkCheckmark
Specialty CareCheckmarkCheckmark
HydrotherapyCheckmarkCheckmark
Pre-existing Conditions
Check Ups, Vaccinations, Spay/Neuter, Teeth Cleaning
Non-Routine Dental TreatmentCheckmarkCheckmark
Hip Dysplasia Waiting Period12 Months30 Days
Chronic ConditionsCheckmarkCheckmark
Illnesses Waiting Period15 Days30 Days
Accidents Waiting Period15 Days5 Days
Hereditary ConditionsCheckmarkCheckmark
Congenital ConditionsCheckmarkCheckmark
Diagnostic TreatmentCheckmarkCheckmark
Alternative/Holistic TherapyCheckmarkExtra Fee
Prescription MedicationsCheckmarkCheckmark
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+B+
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 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.Healthy Paws & Trupanion logos

Winner: Healthy PawsTrupanion (Tie)

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

Winner: Healthy Paws

Timeliness Of Claim Repayment

Doctor's office papers: Timeliness Of Claim RepaymentHealthy 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.Healthy Paws logo

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 13, 2019
 DeductibleReimbursement %Price Per Month
Healthy Paws$25090%$37.56
Trupanion$25090%$79.58
Healthy Paws$50090%$31.92
Trupanion$10090%$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.Healthy Paws logo

Winner: Healthy Paws

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 HealthyPaws promotions page to discuss current offers.

Trupanion

Use this link to get the best deal we can offer from 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.

Healthy Paws logoWinner: 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?

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.
Disclaimer: The information provided through this website should not be used for diagnosing or treating a health problem or a disease. It is not a substitute for professional care. If you have or suspect you may have a health problem, you should consult your health care provider.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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Alex
September 10, 2020 4:52 pm

Trupanion is a waste of time and money. I tried hard to make it work, but I also had every claim denied. Every one. And there is no gray area here…just basic claims. I should’ve canceled after the first denial, but it was under the deductible and I was too busy at work to think about it. My own fault. Their processing took almost 3 weeks per claim (website says less than 1 week). Their telephone reps are trained to obfuscate and lie…and argue if need be. It’s like in the Disney movie called The Incredibles. Mr. Incredible works at an insurance company where the management lives to screw the policyholders. This is what it’s like dealing with Trupanion.

I asked my vet’s office manager what pet insurance they see working well and Trupanion was not in their top 5. I won’t mention their #1 because it might look like I work for a competitor. I don’t. I’m just a stupid consumer that woke up one day and realized I flushed a bunch of cash down the toilet and was totally aggravated in the process.

Simply mean people to deal with. I would run away from these guys.

Maria Posada
October 6, 2019 7:08 pm

Trupanion is a waste of money. What a scam of a company. Doesn’t really care about the wellness of your pets. Every. Single. Claim. Denied. They don’t cover office visits, they don’t cover vaccines, they don’t cover de-worming, they don’t cover when your pet gets sick. Period. How are you supposed to keep your pet healthy if the insurance company your pay hundreds for a month denies every claim? How can you say you care about pet health if your company doesn’t even cover basic wellness? Don’t ever get Trupanion insurance. It’s a total waste of your money.

Jenn
May 24, 2019 1:55 am

Does the deductible increase for either over time as the pup ages or due to too much use?

Stefanie Richter
April 23, 2019 10:09 am

Great article! We have an 11 week old goldendoodle and I’m trying to decide between Healthy Paws and Trupanion. What exactly is the waiting period? Since we have a puppy we thankfully haven’t incurred any illnesses. How do you know which plan is right if you don’t know if you will have any chronic conditions? With Trupanion, do you pay the deductible once for each chronic condition?

Teachcat
July 12, 2020 9:18 am

With Trupanion, you will pay a deductible every time during the year. With others, you pay just once a year if you need the coverage.

Belinda
July 1, 2019 8:27 am
Reply to  Kimberly Alt

Trupanion only makes you pay the deductible once for each chronic condition. Example: our Yorkie had knee surgery three years ago, we paid the deductible. Three years later the plate had to be removed and they did not charge the deductible. He also has lymphangiectasia and we have had multiple visits to the University of Tennessee. We have only paid the deductible once. They are a great company and also pay within the week.

Akeia
February 1, 2019 11:54 am

My dog is 5 month old mini/medium goldendoodle My Vet recommended trupanion because the vet can bill directly which means I only pay my portion at the vet visit. They have a promotion if I sign up today via the email sent my dog would have immediate coverage for 30 days for free no waiting period unlike heathy paws there is a 15 day waiting period. Healthy paws for 90%coverge with $100 is $51.50 but trupanion 90%coverage with $0 deductible is $57.51. I have never had a pet in my life so I really don’t know which one to go with. Please help

Helen Carpenter
June 30, 2020 1:08 pm
Reply to  Akeia

I had Trupanion for my Bichon for 9 years. He recently passed due to a spinal tumor but Trupanion paid for Ct Scan, MRI and CyberKnife Treatment. He also had juvenile cataracts that Trupanion paid to have fixed. I was reimbursed before my credit card bill came in. That being said I have heard good things about Healthy Paws also but I have no direct experience. I thought Trupanion was wonderful.

pauine
August 5, 2020 6:48 pm
Reply to  Kimberly Alt

I read that Healthy Paws increase premium over the years quite high. I am trying to find out which company will not raise way too high over the years so that it can be affordable

Mansi
September 2, 2020 9:57 pm
Reply to  pauine

Where did you read this? I thought I read that Healthy Paws and Trupanion were the only two companies that did not increase the rate that much as the pet aged? Now I am so confused.

Apiffany Gaither Billings
August 5, 2020 10:04 pm
Reply to  pauine

Here is an article that details the most recommended pet insurances for 2020. I hope this helps!

Alcide
July 5, 2020 10:26 pm
Reply to  Kimberly Alt

That was messed up for real. She was sharing her feelings about a different company and you have to come in telling her she’s wrong and that we should go to the one you’re promoting. Even the video that’s supposed to be an unbiased comparison video is FROM the Healthy Paws Youtube Channel.

William
July 10, 2020 8:36 pm
Reply to  Alcide

Nobody said that anybody was wrong. You seem like an internet troll with this nonsense comment. And if you honestly think that anyone is “promoting”, then you probably don’t have much experience dealing directly with Trupanion, and furthermore, you probably haven’t read much about other people dealing with Trupanion. Stop being a troll.

veronica
February 17, 2017 8:03 am

I ran the quote for my 9 year old Labradoodle last night. Healthy Paws will only cover 60% with a $750 deductible which was the only option offered. Trupanion will cover 90% with a $700 deductible (comparing apples to apples) and still cost $14/mo less than Healthy Paws. I also had 2 additional options for lower deductibles but the monthly premium was higher. Maybe Trupanion is a better option for older pets?

William
July 10, 2020 8:21 pm
Reply to  veronica

CAREFUL now. Beware of the fine print. Trupanion probably didn’t mention HOW MANY deductibles that they would surprise you with on ONE claim. How many deductibles can they stack on one claim? Cheaper seems great until you can’t get Trupanion to give you the coverage that you think you are paying for.

I found this site today while doing a search for “Trupanion alternative”. I have two dogs, each with a Trupanion policy, for almost five years. Policies started when they were puppies. Today I am considering dropping Trupanion insurance even if there is no alternative. I have decided that Trupanion is just a waste of money that adds to my annual cost of dog ownership. I’ve dealt with a broken bone, broken teeth, pancreas problems, choking with overnight emergency room sleepover, eye problems, and that’s just a few examples off the top of my head that SHOULD be covered by pet insurance.

Trupanion will deny your claims and jerk you around to avoid paying you. Imagine paying $1000 to deal with extracting a broken fang. I did. Now think of your $750 deductibles. Now hold on, is it A $750 deductible, OR, is it $750 PER deductible? Now, instead of Trupanion paying your claim on this condition, Trupanion decides to spread your claim out over THREE conditions: “broken tooth”, dental disease”, and “tooth misalignment”. I just needed a fang removed. No dental disease treated, and no doggie braces to deal with any misalignment. Just extract the broken fang. So Trupanion hit me with three deductibles for three different mouth-related problems. Two issues unrelated to claim. I paid out towards all three deductibles, and in the end, you can guess what Trupanion paid me. I hope you see the game unfolding.

This actually is my breaking point with Trupanion. It’s always the same nonsense like this with them. If you want functional insurance that that will do what you expect insurance coverage will do, then Trupanion is a waste of your time. Years of experience with two dogs.

Marie
January 20, 2020 9:52 pm
Reply to  veronica

I found the same with my older dog. I heard good things about both from friends in vet med but because of my dog’s age (9), Trupanion appears to be the best choice.

Penni
February 9, 2020 11:54 am
Reply to  Marie

I have had both Trupanion (1st year of my two golden retriever‘s lives) and then Healthy Paws for almost 9 years. Trupanion promised not to increase premiums more than veterinary inflation. That first year, veterinary inflation was 5%. My premium increase was almost 100%. I was actually lucky; others had 396%. Yes, I typed that correctly (go to yelp and look at the hidden reviews). I had been happy with Healthy Paws until recently. I will say that their premiums do increase more than veterinary inflation & warn you they have increasedly greatly with my dogs advancing age, now almost 10. Both of my goldens have pigmentary uveitis and as with most Veterinary Specialists, their ophthalmologist provides a combined fee for the diagnosis & exam, but presents you a letter for insurance companies to split it out. Healthy Paws has paid the diagnosis fees for the last three years. Until NOW. They tell you to contact the state insurance commissioner. I will. But I also want to warn everyone that this is how pet insurance tends to work. I think part of the problem is that they use finance professionals to set up their pricing when they need to use Actuaries. I do know that Embrace pet insurance is run by an Actuary. I hope this information helps you.