Pets Best vs. Healthy Paws Pet Insurance

Pets Best ranks second nationally for pet insurance, while Healthy Paws ranks sixth. Both companies offer similar deductible options ($100 to $1,000) and reimbursement rates up to 90%. Pets Best has a three-day accident waiting period versus Healthy Paws' 15 days.

Best pet insurance by situation:

Healthy Paws ranks as the best pet insurance company for cats in 36 states. Pets Best leads in Maryland for cat coverage and Wisconsin for dog coverage.

Pets Best costs less than Healthy Paws across most age groups for cats and dogs. Middle-aged dogs cost $53 monthly with Pets Best compared to $136 with Healthy Paws. Cats cost $27 monthly with Pets Best versus $59 with Healthy Paws.

See how pet insurance costs vary by age.

Pets Best costs less than Healthy Paws across most age groups in all 50 states. Pets Best has lower rates for middle-aged dogs and cats. Healthy Paws costs less only for senior pets.

Pets Best offers more discounts than Healthy Paws, including multi-pet savings, military discounts, veterinary staff discounts and employer group plans. Healthy Paws doesn't offer additional discounts beyond its single accident and illness plan.

Healthy Paws ranks second nationally for pet insurance coverage, while Pets Best ranks eighth. Both companies offer similar deductible options, annual limits and reimbursement rates. Healthy Paws has a 15-day waiting period for accidents and illnesses. Pets Best requires three days for accidents and 14 days for illnesses. Healthy Paws lets you change your coverage within 14 days of purchase.

*Coverage details vary by state. Check your policy for specific terms, exclusions and limits.

Pets Best offers wellness plans and preventive care add-ons. Healthy Paws covers only unexpected accidents and illnesses.

Pets Best lets you add routine and preventive care benefits to your policy.

• EssentialWellness plan: Routine exams, vaccines, microchipping and blood tests
• BestWellness plan: All EssentialWellness benefits, plus spay/neuter procedures, teeth cleanings, advanced blood panels and additional vaccines
• Exam fees coverage: Vet exam fees for eligible accidents and illnesses
• Physical therapy coverage: Rehabilitation, acupuncture and chiropractic care for eligible accidents or illnesses

Healthy Paws doesn't offer wellness or preventive care add-ons. The company's accident and illness plan covers diagnostics, treatments and emergency care without annual or lifetime caps.

Pets Best beats Healthy Paws overall with lower rates, more coverage options and better customer service. Pets Best costs $53 monthly for middle-aged dogs and $27 for cats. The company includes more add-on options than Healthy Paws.

Pets Best has an F BBB rating but scores 3.9 out of 5 stars on Trustpilot. Healthy Paws has an A+ BBB rating with the same 3.9 Trustpilot score. The BBB rating differences show customer experiences vary from official complaint metrics.

Compare other major pet insurance companies:

Choosing between Pets Best and Healthy Paws means weighing affordability against coverage flexibility and customer support quality. We structured our analysis to show how these companies perform on factors that affect your monthly budget and claims experience.

Our standardized comparison used:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever (dog coverage)
• 7-year-old Ragdoll (cat coverage)

These middle-aged pets and moderate coverage levels represent typical pet insurance buyers. Most pet owners purchase coverage after the puppy or kitten stage but before senior years when premiums spike.

How we weighted our scoring:

Affordability (50%): Premiums matter most for long-term coverage sustainability. We collected quotes across eight age categories, from puppies and kittens through senior pets, and factored in available discounts that reduce monthly costs.

Customer experience (30%): Claims processing speed and support quality determine whether your insurance helps during emergencies or adds stress. Trustpilot ratings and online reviews revealed how customers rate their actual experiences with both companies.

Coverage (20%): Policy features, waiting periods and add-on options affect what you'll pay out of pocket when your pet needs care. We compared accident waiting periods (Pets Best's three days vs. Healthy Paws' 15 days), illness waiting periods and optional wellness coverage availability.

This scoring system highlights the trade-offs between Pets Best's lower premiums and Healthy Paws' streamlined coverage approach.