Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jul 8, 2021

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In North America, there are more pets in homes than ever before and just like any other member of the family, those pets need protection. Insurance policies from Healthy Paws vs Pets Best Insurance are available, whether you have a purebred Golden Retriever or a Mixed-breed dog.

As a pet parent, it can be a bit confusing to start with so many pet insurance companies out there. Trying to find the perfect pet insurance policy can mean reading an overwhelming number of pet insurance reviews.

It’s always recommended to check with at least a few pet insurance companies and analyze their pet health insurance plans before making a choice. As pet owners, we all know vet bills can skyrocket when adding up exam fees, x-rays, or cancer treatments. Finding the right insurance coverage for your pet’s needs is crucial.

Some policies will offer wellness coverage including heartworm treatment, teeth cleaning, or routine vet visits while other policies require an add on to cover any wellness care.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Make sure you read the fine print to see if there are age limits or exclusions for certain conditions like cruciate ligament injuries. As a general disclaimer, NO pet insurance company will cover pre-existing conditions.

We’ve analyzed several of the best pet insurance companies including Figo, Trupanion, ASPCA, Nationwide, Embrace, and others, but today we’re going to focus on two in particular.

Healthy Paws vs Pets Best Insurance are both excellent companies but offer different pet insurance plan coverages and benefits when compared.

Click on the links above to quickly navigate this comparison of PetsBest vs Healthy Paws Pet Insurance or continue reading below:

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Overview of Pets Best vs Healthy Paws Insurance

Healthy Paws

healthy paws vs pets best

Healthy Paws is among the best pet insurance providers companies and a popular choice among veterinarians.  All their policies have no annual reimbursement limits or co-pay percentages. Underwritten by Chubb Limited, they have a waiting period of only 15 days for injury and illness coverage, including hip dysplasia coverage.

They do not offer complete coverage of wellness visits or other routine care costs and do reduce reimbursement percentages if your pet ages past 8 years old.

They offer very comprehensive coverage with unlimited benefits that are provided in all of their plans, including chiropractic care. They also offer a mobile app allowing you to submit your claim quickly and efficiently, check claim status, review policy details, and even upload photos of your pet.  Healthy Paws has a rating of an A+ and excellent customer reviews.

Pets Best

Petsbest vs healthy paws

Pets Best offers is one of the top pet insurance companies when looking for insurance plans that cover the wellness of your pet.  They offer two wellness plans that cover routine care and treatment.

Pets Best also offers standard coverage including exams, medical prescriptions, and alternative treatment. Pets Best has no age restrictions and will cover older pets regardless of their age. They are also set apart from Healthy Paws through offering a 24/7 pet health hotline and optional accident or illness exam fee coverage.

Pets Best only offers unlimited benefits in their most expensive plans.  All of the other plans have benefit limits of up to $5,000.

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Healthy Paws vs PetsBest Insurance: Coverage Compared

Healthy Paws Coverage Explained

Healthy Paws has plans for both dogs and cats with excellent comprehensive coverage plans available in the industry with no limits on their coverage payouts.

Their plans will cover all illnesses and accidents without any restrictions for genetic or hereditary conditions which even includes cancer.

Healthy Paws also covers hospital visits, all types of surgeries, and last-minute emergency care.  Their plans have reimbursement levels that can go up to 90% of the actual medical bill.

Healthy Paws has no limit as to what they will reimburse you each year which is helpful if your dog or cat gets injured or needs serious treatment.  There is a waiting period of 15 days before coverage can begin injuries and illnesses.

Healthy Paws plans are one of the few that offer unlimited and even lifetime benefits with no caps.

Medical Conditions Covered:

  • All Accidental and Illnesses
  • Chronic Conditions
  • Cancer
  • Hereditary Conditions
  • Dental that is Accident Related

Medical Treatments Covered:

  • All Testing
  • Emergency Care
  • Medications
  • Specialist Care
  • Hospital Visits

Healthy Paws also covers the treatment for hip dysplasia as long as the condition was not pre-existing and the pets are less than six years old.


Real Cost Savings from PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Pets Best Coverage Explained

Pets Best has three different coverage options.

The company’s 3 plans which are called Essential, Plus, and Elite cover the following conditions:

  • All Accidents
  • Emergency Hospital Care
  • Hereditary/Congenital Conditions (not pre-existing).
  • All Illnesses
  • Prescription medication coverage is also included in all plans

Two wellness plans, if of interest, can be an addition to any of the standard policies that cover procedures like neutering or spaying, bug bites, vaccines, and other routine procedures.

Their Elite plan goes one step further to include alternative therapy options.

The Accident Only plan covers most accidents and includes broken bones, swallowing something accidentally, insect or snake bites, and many other accident-related incidents.

The plans which include hereditary and congenital issues will have a higher premium.

The Accident Only plan will not cover any type of illness or medical condition.

Healthy Paws does not offer a wellness plan but will cover all accidents under their standard policies. And there are no limits on any of their plans: no per-incident, annual or lifetime caps on payouts.

Medical Conditions Covered:

  • All accidents and illness
  • Congenital & Hereditary
  • Chronic Conditions
  • Dental that is Accidental

Medical Treatments Covered:

  • All Diagnostic Tests
  • Hospital Visits
  • Specialty Treatment
  • Prescription Medications
  • Alternative Therapy Treatment
  • Benefit Limits
  • Healthy Paws is unique in that it offers all its policies with unlimited benefits plans and even in their most basic plan.




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Pets Best vs Healthy Paws Insurance: Benefit Limits Compared

Healthy Paws Benefit Limits

Healthy Paws is one of the few insurers that offer policies with no limits or caps, including annual, lifetime, or per incident caps. With Healthy Paws, the unlimited benefit option is included in their standard plan which is an excellent option.

As mentioned above, if your dog gets in an accident and needs to see your vet multiple times, there isn’t a cap or limit level of money spent or visits.

As long as the treatment is for something that is not pre-existing, they will pay the medical bill incurred at the chosen reimbursement level.

This can be very helpful if you have a very large medical bill or if your dog or cat becomes ill.

Pets Best Benefit Limits

Pets Best offers their unlimited benefit option in just the Elite plan. The other plans have a limit of $5,000 annually which can be hit with one hospital treatment or emergency care.

Healthy Paws vs. Pets Best Insurance: Deductibles Compared

Healthy Paws Deductibles

Healthy Paws has an annual deductible which is paid on your first bill and only one time.  You have a choice of deductible and if you choose a lower deductible, the premium will range higher.

You can choose any of their deductibles:

  • $100
  • $250
  • $500

Pets Best Deductibles

Pets Best does offer more deductible choices from $50 to their highest of $1,000.

$50 is one of the lowest deductible options among the top insurance companies.

If you opt for a higher deductible, the price each month will be less but your portion of the vet bill will then be a bit higher.

And with a lower deductible, you pay more each month and less on the vet bill.

The wellness plans can be a nice addition if routine visits are important to you and there is no deductible.

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PetsBest vs Healthy Paws: Reimbursements Compared

Healthy Paws Reimbursements

Healthy Paws allow you to choose a reimbursement of 70% to 90%.  They pay you back on your medical bill minus the deductible.

Similar to how deductibles work, the higher choice of premium, the more reimbursement you will get each claim.




Pets Best Reimbursements

Pets Best has a similar reimbursement option of 70% to 90%.

If you want to be reimbursed more for each claim, choose the higher premium rate.

HealthyPaws vs Pets Best Insurance: Pricing Compared

Pricing is always a big factor in anything we purchase including pet insurance for our dogs and cats.

Pets Best Pricing

Pets Best’s lower level plans are within range of most pet insurance companies while their Elite plan tends to run higher than the other providers.

The Elite plan will cost up to $75 each month.  The minimum cost of a wellness plan is another $16 per month.

Dog insurance plans will start at $29 and up, while cat insurance plans will start around $16 each month.

Accident plans are very inexpensive at about $10 each month if you are on a tight budget and want just a little coverage.

Cats can be covered with these plans for approximately $7 every month and dogs for about $10.

5 % discounts are available for those in the military and for more than one pet.

The monthly premium rate is around $30 for dog insurance $16 for cat insurance.

Real Cost Savings from PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Healthy Paws Pricing

Healthy Paws has extremely fair prices considering their plans don’t have benefit limits.

There discounts for the lifetime of your pet of 10% for membership in these groups:

  • Volunteers in Animal Welfare
  • AAA members
  • AARP members
  • Costco and even some military members

Employer-sponsored plans receiver a 15 % discount.

Dog insurance starts at $33 and cat insurance at $17.


Sample Quotes For Healthy Paws Insurance vs Pets Best

All of these quotes when possible used the following factors in calculating the estimated pet insurance premium cost for your dog in 2021. 

When possible the data we entered for these prices was as follows; a female, puppy under the age of 12 months, with unlimited coverage (or max offered when unlimited not an option), a $500 deductible, and 70% reimbursement. We did not include the wellness checkup add-on when available. 

Keep in mind that insurance rates are ever-changing and what seems like minor changes such as, your zip code or breed can actually make a major impact on the cost of pet insurance. 

These Pet Insurance Company Price charts are a good tool, not a guarantee of rates, do your own research before you buy. 

*PetFirst first monthly payment has an additional $10-$15 startup fee, the number in this chart is the monthly cost after paying the first-month extra charge.

**Trupanion only offers 90% reimbursement, all other companies’ sample quotes are based on a 70% reimbursement policy which is why Trupanion may appear to cost more. 

Healthy Paws Insurance vs Pets Best – Small Mixed Breed Costs Compared

CompanyMonthly Premium
Healthy Paws Pet Insurance$20.37
Pets Best Pet Insurance$20.75
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Medium Crossbred Dogs Price Differences For Pets Best Insurance vs Healthy Paws Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$29.71
Pets Best Pet Insurance$28.07
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Comparison Of Cost For Large Mixed Breed Dogs – Healthy Paws vs PetsBest

CompanyMonthly Premium
Healthy Paws Pet Insurance$36.05
Pets Best Pet Insurance$37.36
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Labrador Retriever Costs PetsBest Insurance vs Healthy Paws Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$43.89
Pets Best Pet Insurance$51.33
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German Shepherd Costs PetsBest vs HealthyPaws

CompanyMonthly Premium
Healthy Paws Pet Insurance$43.89
Pets Best Pet Insurance$50.52
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Poodle Costs Healthy Paws Insurance vs Pets Best Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$36.05
Pets Best Pet Insurance$44.49
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Beagle Costs Healthy Paws Insurance vs PetsBest

CompanyMonthly Premium
Healthy Paws Pet Insurance$32.63
Pets Best Pet Insurance$47.41
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Dachshund Costs Healthy Paws vs Pets Best Insurance

CompanyMonthly Premium
Healthy Paws Pet Insurance$32.63
Pets Best Pet Insurance$38.56
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PetsBest vs Healthy Paws: Waiting Periods and Enrollment Compared

Healthy Paws Enrollment

Healthy Paws pets can be enrolled is at 2 months old with older pets only being able to be enrolled at 13.

Healthy Paws waiting periods are the following:

  • 15 days all illnesses and accident
  • 12 months for coverage for hip dysplasia

Healthy Paws has a 15 day waiting period for accidents and illnesses. The waiting period for hip dysplasia is 12 months.

Accident coverage begins 5 days after enrollment, but there is a 15 day waiting period for illnesses. Medical records are not required for enrollment.

Pets Best Enrollment

Pets Best is unique in allowing dogs and cats to enroll at all ages of their life and this even includes when you extend your policies each year.

Their waiting period is typical of most with an illness covered after 14 days and accidents covered after 3 days. Wellness plans can begin 24 hours after enrollment while there is a waiting period of about 6 months for cruciate, hip, or patella issues.

Kittens and puppies may be enrolled at around 7 weeks old and with no extra fees to sign up, your pets are covered right away.

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Pets Best vs HealthyPaws: Customer Service and Claims Compared

Healthy Paws Customer Service and Claims

Healthy Paws reimburses is claims quickly and efficiently.

Their customer support is available Monday through Sunday (but not after hours). Claims are generally processed within a few days.

Pets Best Customer Service and Claims

Pets Best has very quick and easy claims processing.  They usually pay within 5 days. And policyholders can make the claim process much faster via their online app.

You can also have your account set up to include direct deposit or just to have them pay your vet directly.

Pets Best also has a veterinary helpline that is offered at any time, 24/7 through their whiskerDocs®.

WhiskerDocs can answer your questions about your pets and are actual vet experts who you can contact through email, phone, or even chat to address your concerns.

Petplan also offers their option of the 24/7 helpline for pet questions.

Healthy Paws vs Pets Best Insurance: Which Is Best For Your Pet?

Healthy Paws vs Pets Best Insurance both have excellent plans at reasonable prices. If you are looking for a wellness plan, then Pets Best may be the better choice.

But, if you want standard pet insurance that will pay for all accidents and illness, Healthy Paws is the one for you.

There are other excellent companies to include in your comparison shopping and can be found in our top 10 Best Insurance Providers.



Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance

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