Pets Best Insurance vs. Healthy Paws
Pets Best and Healthy Paws are two of the most respected pet insurance providers in the U.S. Pets Best offers an immense amount of coverage options from accident-only to comprehensive coverage that includes preventative care. Healthy Paws, on the other hand, offers one, simple accident and illness policy that covers any unexpected health issue your pet may suffer from.
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| Price: | Get a Quote | Get a Quote |
|---|---|---|
| Overall Rating: | ||
| Total Reviews: | 22,827 | 6,247 |
| Deductible: | $50 - $1,000 | $250, $500, or $1,000 |
| Reimbursement: | 70% - 90% | 70%, 80% or 90%* |
| Annual Limit: | $5,000 - Unlimited | Unlimited |
| Company Profile: | Company Overview | Company Overview |
| Waiting Period for Accidents: | 3 days* | 15 days |
| Waiting Period for Illnesses: | 14 days | 15 days |
| Waiting Period for Orthopedic Coverage: | 14 days** | 15 days** |
| Emergency Care: | Included | Included |
| Accidents: | Included | Included |
| Illnesses: | Included | Included |
| Cancer Coverage: | Included | Included |
| Orthopedic Issues: | Included | Included |
| Hereditary Conditions: | Included | Included |
| Chronic Conditions: | Included | Included |
| Prescription Meds: | Included | Included |
| Wellness Coverage: | Optional | Excluded |
| Vet Restrictions: | None | None |
Pets Best vs. Healthy Paws
Pets Best and Healthy Paws take different approaches to insuring pets. With Pets Best, you can choose from several policies that cover everything from accidents to wellness checks. Healthy Paws, however, has one policy that helps pay for accidents and unexpected health problems.
Pets Best Details
- Deductible: Most policies from Pets Best have deductibles from $100 to $1,000.
- Reimbursement: The amount you get reimbursed depends on the plan you choose. Most people get paid within two days when they select the direct deposit option.
- Emergency Care: Choose an Accident and Illness Plan from Pets Best for emergency care coverage.
- Waiting Period for Accidents and Illnesses: You must have a Pets Best plan for three days before it will help pay for accidents. The company has a 14-day waiting period for unexpected illnesses.
Healthy Paws Details
- Deductible: Healthy Paws has deductibles from $250 to $1,000.
- Reimbursement: Healthy Paws will reimburse you for 70% to 90% in most states. The 90% reimbursement rate option is not available in CA, FL, NJ, NY, and WA.
- Emergency Care: Healthy Paws plans cover emergency care.
- Waiting Period for Accidents and Illnesses: Healthy Paws has a 15-day waiting period for accidents and illnesses.
Comparing Coverage From Pets Best and Healthy Paws
If you want a lot of flexibility from your pet insurance, then you should explore options for Pets Best. If you want a simpler way to save money, though, the Healthy Paws plan will probably match your needs.
Keep in mind that you can get wellness coverage from Pets Best. Healthy Paws does not offer wellness coverage.
Pets Best and Healthy Paws Prices
Prices from Pets Best and Healthy Paws depend on factors like your pet’s age, the deductible you choose, and how much coverage you want.
Should You Choose Pets Best or Healthy Paws?
Get a price quote for Pets Best and Healthy Paws plans so you can decide which option fits your family’s needs and budget best!
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Compare Healthy Paws
Pets Best Insurance Enrollment Requirements
A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.
* 3-day waiting period for accidents in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for accidents is 0 days. See below for further details:
Waiting Periods for Most States:
- Accidents: 3 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 6 months
- Routine Care: 0 days
Waiting Periods for Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington
- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days
Waiting Periods for North Dakota Only
- Accidents: 3 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days
** 6-month waiting period for cruciate ligaments in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for cruciate ligaments is 30 days.
Additional Note: Pets must be at least 7 weeks old at the time of enrollment; there is no upper age limit for enrollment
Healthy Paws Pet Insurance Enrollment Requirements
- 90% reimbursement rate is not available in CA, FL, NJ, NY, and WA*
- 12-month waiting period for hip dysplasia**
- Must be enrolled before 6 for hip dysplasia coverage
- Minimum age: 8 weeks
- Maximum age: 14 years (4 years in New York state)
- A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination and the exam must have taken place either 12 months before the pet policy effective date or within 15 days following the pet policy effective date
- A pet 6 years old or older on the date of enrollment must have undergone a complete clinical examination within 30 days before the pet policy effective date or 15 days following the pet policy effective date