MoneyGeek's analysis found that Healthy Paws offers better pet insurance for cats than Pets Best, ranking sixth, while Pets Best finishes seventh. Pets Best ranks as the ideal provider for dogs, winning against Healthy Paws by three spots. Pets Best also outperforms Healthy Paws across areas that matter most to pet owners, meaning it's the better option for those looking for lower rates, superior customer service or more comprehensive coverage.
Pets Best vs. Healthy Paws Pet Insurance
Updated: January 21, 2026
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Pets Best vs. Healthy Paws Pet Insurance: Key Takeaways
Pets Best costs less than Healthy Paws for most pet age groups. Middle-aged dogs cost $53 monthly with Pets Best versus $136 monthly with Healthy Paws. Cats cost $27 monthly with Pets Best compared to $59 monthly with Healthy Paws.
Pets Best delivers superior customer service than Healthy Paws, with 70% positive sentiment on Reddit for its fast claim reimbursement and responsive customer representatives.
Pets Best has shorter waiting periods and various optional add-ons to expand your base coverage, making it the better option for pet owners looking for comprehensive financial protection.
Is Pets Best or Healthy Paws Pet Insurance Better?
Data filtered by:
Overall Score
| Cat | Healthy Paws | 6 | 7 |
| Dog | Pets Best | 3 | 6 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Best pet insurance by situation:
Pets Best and Healthy Paws Comparison by State
Pets Best outperforms Healthy Paws as the best pet insurance company for dogs in all 50 states. Healthy Paws leads ahead for cats in 36 states, while Pets Best wins in Alabama, Arkansas, Georgia, Hawaii, Iowa, Kentucky, Louisiana, Maine, Maryland, New Jersey, New York, Ohio, Pennsylvania and Virginia.
Data filtered by:
Select
| Alabama | Cat | Pets Best |
| Alabama | Dog | Pets Best |
| Alaska | Cat | Healthy Paws |
| Alaska | Dog | Pets Best |
| Arizona | Cat | Healthy Paws |
| Arizona | Dog | Pets Best |
| Arkansas | Cat | Pets Best |
| Arkansas | Dog | Pets Best |
| California | Cat | Healthy Paws |
| California | Dog | Pets Best |
| Colorado | Cat | Healthy Paws |
| Colorado | Dog | Pets Best |
| Connecticut | Cat | Healthy Paws |
| Connecticut | Dog | Pets Best |
| Delaware | Cat | Healthy Paws |
| Delaware | Dog | Pets Best |
| Florida | Cat | Healthy Paws |
| Florida | Dog | Pets Best |
| Georgia | Cat | Pets Best |
| Georgia | Dog | Pets Best |
| Hawaii | Cat | Pets Best |
| Hawaii | Dog | Pets Best |
| Idaho | Cat | Healthy Paws |
| Idaho | Dog | Pets Best |
| Illinois | Cat | Healthy Paws |
| Illinois | Dog | Pets Best |
| Indiana | Cat | Healthy Paws |
| Indiana | Dog | Pets Best |
| Iowa | Cat | Pets Best |
| Iowa | Dog | Pets Best |
| Kansas | Cat | Healthy Paws |
| Kansas | Dog | Pets Best |
| Kentucky | Cat | Pets Best |
| Kentucky | Dog | Pets Best |
| Louisiana | Cat | Pets Best |
| Louisiana | Dog | Pets Best |
| Maine | Cat | Pets Best |
| Maine | Dog | Pets Best |
| Maryland | Cat | Pets Best |
| Maryland | Dog | Pets Best |
| Massachusetts | Cat | Healthy Paws |
| Massachusetts | Dog | Pets Best |
| Michigan | Cat | Healthy Paws |
| Michigan | Dog | Pets Best |
| Minnesota | Cat | Healthy Paws |
| Minnesota | Dog | Pets Best |
| Mississippi | Cat | Healthy Paws |
| Mississippi | Dog | Pets Best |
| Missouri | Cat | Healthy Paws |
| Missouri | Dog | Pets Best |
| Montana | Cat | Healthy Paws |
| Montana | Dog | Pets Best |
| Nebraska | Cat | Healthy Paws |
| Nebraska | Dog | Pets Best |
| Nevada | Cat | Healthy Paws |
| Nevada | Dog | Pets Best |
| New Hampshire | Cat | Healthy Paws |
| New Hampshire | Dog | Pets Best |
| New Jersey | Cat | Pets Best |
| New Jersey | Dog | Pets Best |
| New Mexico | Cat | Healthy Paws |
| New Mexico | Dog | Pets Best |
| New York | Cat | Pets Best |
| New York | Dog | Pets Best |
| North Carolina | Cat | Healthy Paws |
| North Carolina | Dog | Pets Best |
| North Dakota | Cat | Healthy Paws |
| North Dakota | Dog | Pets Best |
| Ohio | Cat | Pets Best |
| Ohio | Dog | Pets Best |
| Oklahoma | Cat | Healthy Paws |
| Oklahoma | Dog | Pets Best |
| Oregon | Cat | Healthy Paws |
| Oregon | Dog | Pets Best |
| Pennsylvania | Cat | Pets Best |
| Pennsylvania | Dog | Pets Best |
| Rhode Island | Cat | Healthy Paws |
| Rhode Island | Dog | Pets Best |
| South Carolina | Cat | Healthy Paws |
| South Carolina | Dog | Pets Best |
| South Dakota | Cat | Healthy Paws |
| South Dakota | Dog | Pets Best |
| Tennessee | Cat | Healthy Paws |
| Tennessee | Dog | Pets Best |
| Texas | Cat | Healthy Paws |
| Texas | Dog | Pets Best |
| Utah | Cat | Healthy Paws |
| Utah | Dog | Pets Best |
| Vermont | Cat | Healthy Paws |
| Vermont | Dog | Pets Best |
| Virginia | Cat | Pets Best |
| Virginia | Dog | Pets Best |
| Washington | Cat | Healthy Paws |
| Washington | Dog | Pets Best |
| West Virginia | Cat | Healthy Paws |
| West Virginia | Dog | Pets Best |
| Wisconsin | Cat | Healthy Paws |
| Wisconsin | Dog | Pets Best |
| Wyoming | Cat | Healthy Paws |
| Wyoming | Dog | Pets Best |
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Pets Best vs. Healthy Paws Pet Insurance Cost
Pets Best is more affordable than Healthy Paws across six out of eight pet insurance cost categories, delivering its biggest savings for kittens at 70%. Healthy Paws is cheaper for senior pets, where it beats Pets Best by up to 14% on senior dog premiums.
Data filtered by:
Select
| Kittens | Pets Best | $13 | 70% |
| Young Cats | Pets Best | $17 | 38% |
| Puppies | Pets Best | $27 | 44% |
| Middle Aged Cats | Pets Best | $27 | 54% |
| Young Dogs | Pets Best | $33 | 24% |
| Middle Aged Dogs | Pets Best | $53 | 61% |
| Senior Cats | Healthy Paws | $63 | 6% |
| Senior Dogs | Healthy Paws | $115 | 14% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Pets Best vs. Healthy Paws Pet Insurance Cost by State
Pets Best delivers the cheapest pet insurance rates for younger animals across all 50 states, covering kittens, puppies, and young and middle-aged pets. Healthy Paws flips this advantage for senior pets, winning against Pets Best in every state once your dog or cat hits their golden years.
Data filtered by:
Middle Aged Dogs
| Alabama | Pets Best | $39 | 61% |
| Alaska | Pets Best | $52 | 61% |
| Arizona | Pets Best | $65 | 61% |
| Arkansas | Pets Best | $36 | 61% |
| California | Pets Best | $67 | 61% |
| Colorado | Pets Best | $67 | 61% |
| Connecticut | Pets Best | $61 | 61% |
| Delaware | Pets Best | $53 | 61% |
| Florida | Pets Best | $60 | 61% |
| Georgia | Pets Best | $48 | 61% |
| Hawaii | Pets Best | $54 | 61% |
| Idaho | Pets Best | $53 | 61% |
| Illinois | Pets Best | $66 | 61% |
| Indiana | Pets Best | $48 | 61% |
| Iowa | Pets Best | $45 | 61% |
| Kansas | Pets Best | $48 | 61% |
| Kentucky | Pets Best | $42 | 61% |
| Louisiana | Pets Best | $43 | 61% |
| Maine | Pets Best | $65 | 61% |
| Maryland | Pets Best | $52 | 61% |
| Massachusetts | Pets Best | $69 | 61% |
| Michigan | Pets Best | $53 | 61% |
| Minnesota | Pets Best | $55 | 61% |
| Mississippi | Pets Best | $45 | 61% |
| Missouri | Pets Best | $42 | 61% |
| Montana | Pets Best | $45 | 61% |
| Nebraska | Pets Best | $48 | 61% |
| Nevada | Pets Best | $55 | 61% |
| New Hampshire | Pets Best | $62 | 61% |
| New Jersey | Pets Best | $60 | 61% |
| New Mexico | Pets Best | $47 | 61% |
| New York | Pets Best | $58 | 61% |
| North Carolina | Pets Best | $47 | 61% |
| North Dakota | Pets Best | $41 | 61% |
| Ohio | Pets Best | $49 | 61% |
| Oklahoma | Pets Best | $45 | 61% |
| Oregon | Pets Best | $66 | 61% |
| Pennsylvania | Pets Best | $55 | 61% |
| Rhode Island | Pets Best | $46 | 61% |
| South Carolina | Pets Best | $50 | 61% |
| South Dakota | Pets Best | $47 | 61% |
| Tennessee | Pets Best | $49 | 61% |
| Texas | Pets Best | $56 | 61% |
| Utah | Pets Best | $51 | 61% |
| Vermont | Pets Best | $49 | 61% |
| Virginia | Pets Best | $57 | 61% |
| Washington | Pets Best | $61 | 61% |
| West Virginia | Pets Best | $46 | 61% |
| Wisconsin | Pets Best | $57 | 61% |
| Wyoming | Pets Best | $49 | 61% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Pets Best vs. Healthy Paws Pet Insurance Discounts
Pets Best offers four pet insurance discounts, while Healthy Paws provides none, giving Pets Best a clear edge for cutting costs. All Pets Best discounts save you 5%, covering multiple pets, military members, veterinary staff and employer group plans.
Multiple pets | Save 5% when you insure more than one pet with Pets Best. | None. |
Military | Active duty service members, veterans and military spouses or kids get 5% off on pet insurance. | None. |
Veterinary staff | 5% off for those working as a staff at veterinary clinics. | None. |
Employer group plan | Receive 5% discount for joining a participating employer's group plan. | None. |
Pets Best vs. Healthy Paws Pet Insurance Customer Experience
Pets Best and Healthy Paws tie for fifth spot in our national ranking for customer experience. Healthy Paws earns higher ratings from Trustpilot and the Better Business Bureau, while Pets Best garners stronger positive sentiment on Reddit.
Pets Best vs. Healthy Paws Trustpilot ratings
Pets Best holds a Trustpilot rating of 3.7 out of 5.0, while Healthy Paws has 3.9 out of 5.0. Pets Best customers highlight straightforward plans and helpful service but complain about slow claim processing and persistent website issues, while Healthy Paws earns praise for reimbursing claims within days but faces criticism for steep premium increases and excluding emergency exam fees.
Pets Best vs. Healthy Paws BBB ratings
Healthy Paws maintains an A+ BBB rating with full accreditation, which means it meets BBB Standards for Trust, including transparent business practices and prompt complaint resolution. Pets Best remains unrated and unaccredited and while it doesn't necessarily mean poor service, it signals the company hasn't resolved past complaint handling concerns.
Pets Best vs. Healthy Paws Reddit sentiment
Pets Best earns 70% positive sentiment on Reddit from 10 comments (seven positive, three negative), while Healthy Paws holds 20% positive feedback from 40 comments (eight positive, 32 negative). Pet owners praise Pets Best for faster claim processing and responsive customer service, while Healthy Paws users frequently complain about claim denials and poor communication. The coverage flexibility Pets Best offers also resonates better with pet owners who want customizable plans, whereas Healthy Paws' one-size-fits-all approach leaves many frustrated.
Pets Best vs. Healthy Paws Pet Insurance Coverage
Pets Best provides better pet insurance coverage than Healthy Paws, ranking second nationally, whereas Healthy Paws is behind by four spots. Both providers offer the option to pay licensed veterinarians directly for covered claims, though they differ in their approaches: Pets Best needs claim and veterinarian reimbursement release forms, while Healthy Paws requires you to call before your pet's vet visit.
Pets Best also offers more flexibility in policy customization, along with shorter waiting periods, optional add-ons to expand your base coverage and no upper age limits for enrollment.
Diagnostic tests | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Broken bones and fractures | ✓ | ✓ |
Cuts and bite wounds | ✓ | ✓ |
Parasite treatment | Only covers prevention through an optional add-on | X |
✓ | ✓ | |
Digestive issues | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $200, $250, $500, $1,000 | $250, $500, $1,000 | |
$5,000, $10,000, unlimited | Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events and related conditions | 15 days for illnesses and accidents, 12 months for hip dysplasia | |
Age restrictions | No upper age limit for enrollment | Only covers pets up to 14 years old |
Pre-existing conditions | Curable pre-existing conditions may be eligible for coverage if cured and no further treatment is needed | Conditions that developed before enrollment or during waiting periods are permanently excluded |
Direct vet payment | Pays vets directly if you submit a completed claim along with a veterinarian reimbursement release form that both you and your vet have signed | Pays licensed vets directly, provided your vet agrees and you contact its customer service before your pet's treatment |
*Coverage details vary by state. Check your policy for specific terms, exclusions and limits.
Pets Best vs. Healthy Paws Pet Insurance Add-ons
Pets Best offers several optional add-ons to supplement your base policy, such as:
- EssentialWellness plan: Covers wellness exams, vaccinations, blood work, fecal exams, urinalysis, heartworm tests and deworming.
- BestWellness plan: Features everything in EssentialWellness, plus dental cleaning and spaying or neutering procedures.
- Exam fees coverage: Reimburses the cost of exam fees related to covered accidents and illnesses
- Physical therapy coverage: Provides coverage for rehabilitation, acupuncture and chiropractic care for eligible accidents or illnesses
In contrast, Healthy Paws doesn't offer any add-ons for routine care or other pet owner benefits, choosing instead to focus on its standard accident and illness policy.
Pets Best vs. Healthy Paws Pet Insurance: Bottom Line
Healthy Paws beats Pets Best for cat insurance overall, offering lower rates for aging felines. Pets Best leads ahead of Healthy Paws for dog insurance, excelling in affordability, customer customer experience and coverage. Pets Best offers more options for customizing and expanding your base coverage, with shorter waiting periods for accidents and illnesses.
Compare other major pet insurance companies:
Pets Best vs. Healthy Paws Pet Insurance Comparison: FAQ
Which is better: Pets Best or Healthy Paws pet insurance?
Pets Best is better for dog insurance overall, delivering lower rates, superior customer service and broader coverage. It also has shorter waiting periods than Healthy Paws, plus optional add-ons to expand your policy's base coverage. Healthy Paws is ideal for cat insurance, with cheaper premiums for aging felines.
Is Pets Best cheaper than Healthy Paws pet insurance?
Pets Best costs less across six of eight age categories, from kittens and puppies to young and middle-aged pets, providing up to 70% savings on kitten coverage. Healthy Paws wins only for senior pets, where it offers cheaper rates by 6% to 15%.
What does Pets Best cover that Healthy Paws does not?
Pets Best's pet insurance coverage is more comprehensive than Healthy Paws', including routine care, exam fees and physical therapy through its optional add-ons. Pets Best also covers curable pre-existing conditions if cured and no further treatment is needed, whereas Healthy Paws permanently exlcludes them.
How do waiting periods compare between Pets Best and Healthy Paws?
Pets Best requires a three-day waiting period for accidents and 14 days for illnesses, which are shorter than Healthy Paws' waiting periods of 15 days for both.
Which has better claims processing: Pets Best or Healthy Paws?
Our Reddit analysis found that Pets Best holds 70% positive sentiment among users, earning praise for its faster claim processing and reimbursement.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.