Pet Insurance Comparison – HP

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Our pet insurance comparison chart makes it easy to compare pet insurance plans. We’ve simplified each policy’s fine print and included vet-verified tips and warnings to help you choose. Healthy Paws is the #1 Choice.

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Monthly Cost Basic Coverage	$48.22 Several limits	$51.58 Several limits	$57.07 Several limits	$38.00 Several limits	$46.71 Several limits	$71.64 Several limits	$37.28 No limits
Overall Score Avg. rating includes Yelp, BBB, consumer reviews & more	1.4	3.1	3.5	3.8	3.6	4.3	4.9
Monthly Cost Best Coverage	$65.66 Several limits	$61.52 Several limits	$67.84 Several limits	$70.37 No limits	$53.37 No limits	$79.11 Several limits	$37.28 No limits
Tips & Highlights	Poor customer reviews	Low payouts	Flexible coverage	Reimburses veterinary exam fees	Offers accident-only plan	Applies deductible before copay to save you $	#1 customer rated since 2013
Vet-Verified Summary	Bad reputation with customers	Too many limitations	Watch out for deductibles	Watch out for deductibles	Low annual limit on base plans	Great coverage but expensive	Overall best coverage
AT A GLANCE
Choose your own vet	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Injuries Coverage for falls, being hit by car and other accidents.	Covered	Covered	Covered	Covered	Covered	Covered	Covered
Illnesses Coverage for infections, cancer and other illnesses that are typically not genetic.	Covered on all plans except injury only plan	Offers three levels of coverage, from injury-only to all conditions	Covered	Covered	Covered	Covered	Covered
Hereditary conditions Genetic conditions common to specific breeds, often called breed-specific conditions.	Has injury-only plan for lowest rates, advanced plans offer increased coverage	Top-level plan covers heredity conditions	Covered	Coverage varies widely by state	Coverage varies widely by state	Covered	Covered
Congenital conditions Conditions the pet is born with, even if symptoms don’t show for some time.	Has injury-only plan for lowest rates, advanced plans offer increased coverage	Top-level plan covers congenital conditions	Covered	Coverage varies widely by state	Coverage varies widely by state	Covered	Covered
Prescription medications Most plans cover prescription medications as standard, although one plan requires a rider.	Covered	Covered	Covered	Covered	Covered	Covered with optional rider	Covered
Alternative therapies Chiropractic, acupuncture, physical therapy and other non-traditional treatments.	Yes	Level 3 plan covers alternative therapies	Yes	Yes	Yes	Covers greatest amount of alternative therapy types	Yes
Wellness option Routine care coverage often available with plan add-on or rider.	Yes	Yes	Lack of wellness option can keep premiums lower	Yes	Yes	Yes	Lack of wellness option can keep premiums lower
Flexible deductible	$100 to $500 for medical; $250 for emergency plan	$100, $250, $500	$0 to $1,000	$50 to $500	$50, $100 or $200 per condition	$100 to $1,000	$100 to $500
Annual deductible	$100 to $500 for medical; $250 for emergency plan	$100, $250, $500	$100 to $2,500	$50, $100, $250, $500	$0 to $1,000	$100 to $1,000	$100 to $500
Choose reimbursement Reimbursements can range from 70 to 100 percent of the bill; some are set at 90 percent only.	Varies by treatment for basic and major medical; 90 percent of vet bills for Whole Pet plan	70 to 90 percent of vet bill	70 to 90 percent of the vet bill	70 to 90 percent of the vet bill	70 to 90 percent of vet bill	65 to 90 percent of vet bill	70 to 90 percent of vet bill
Reimbursed per vet bill Reimbursements can apply to vet bill or set benefit schedule.	Top plan reimburses per vet bill, others reimburse per schedule	Reimbursements are based on actual vet bill	Reimbursements are based on actual vet bill	Reimbursements are based on actual vet bill	Reimbursements are based on actual vet bill	Reimbursements are based on actual vet bill	Reimbursements are based on actual vet bill
No annual limits Some plans place limits on the amount of reimbursements per year.	Injury-only plan: $14,000; no annual limit on medical plans	Unlimited option available	Choose $2,500 to unlimited		$5,000 to unlimited	$5,000 to $15,000	No annual limits on any plan
No lifetime limits Some plans place limits on the amount of reimbursements over the lifetime of the policy.	No lifetime limits on any plan	No lifetime limits on any plan	No lifetime limits on any plan		Limits capped at $5,000 to $200,000, depending on plan	No lifetime limits on any plan	No lifetime limits on any plan
No limits per condition Some plans place limits on the amount of reimbursements per condition.	Limits per schedule per year for basic and major medical; no limits for whole pet plan	$2,500, $3,000 or $5,000	No per-condition limits on any plan		No per-condition limits on any plan	No per-condition limits on any plan	No per-condition limits on any plan
Covered for life Coverage over the lifetime of your pet if enrolled by certain age and policy is continuously renewed.	If enrolled before age 10	All pets are covered for life	All pets are covered for life		All pets are covered for life	If enrolled before age 6 (purebreeds) or 8 (mixed breeds)	If enrolled before age 14
No upper age limit Some plans only accept pets under a certain age, although the age limit may be as high as 10 or 14.	Pets under 10	Pets under 12	No age limits		No age limits	Pets under 14	If enrolled before 14
Discounts available Discounts can be offered for being a member of an organization, paying annually, enrolling more than one pet and other situations.	No Discounts	Paying annually	online registration, Military personnel, Medical service pets	online, Military, multipet, paying in full	online, military,service dog, multipet, microchip	Spayed or neutered; direct withdrawal; paying annually, Healthy Pet Deductible reduction when do not file claims	Microchipped, member of organization (i.e. AAA), military, others
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*Quotes based on 1-year-old, male, medium-sized mixed breed dog in California zip code 90017 as of January 1, 2019