Pets Best delivers better pet insurance coverage than Healthy Paws for both dogs and cats, ranking second nationally compared to Healthy Paws' sixth place finish. Both providers offer similar deductible options ranging from $100 to $1,000 and comparable reimbursement rates up to 90%, but Pets Best provides more flexible policy adjustment options and shorter accident waiting periods.
Pets Best vs. Healthy Paws Pet Insurance
Updated: November 3, 2025
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Pets Best vs. Healthy Paws Pet Insurance: Key Takeaways
Pets Best offers more affordable pet insurance rates than Healthy Paws, with middle-aged dogs costing $53 monthly versus $136, and cats costing $27 monthly compared to $59.
Both providers rank fifth nationally for customer experience, though Pets Best edges ahead with a Trustpilot rating of 4.0 out of 5.0 stars compared to Healthy Paws at 3.8 stars.
Pets Best ranks second nationwide for coverage while Healthy Paws places sixth, with Pets Best offering wellness coverage options and a three-day accident waiting period compared to Healthy Paws' 15-day wait.
Is Pets Best or Healthy Paws Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Pets Best | 4 | 6 |
| Coverage | Pets Best | 2 | 6 |
| Customer Experience | Pets Best | 5 | 5 |
| Overall Score | Pets Best | 3 | 6 |
Pets Best and Healthy Paws Comparison by State
Healthy Paws is the best pet insurance company in 36 states for cats, showing strong nationwide performance. Pets Best leads in just Maryland for cat coverage and Wisconsin for dog coverage, demonstrating more limited geographic strength.
Data filtered by:
Overall Score
Dog
| Alabama | Pets Best | 4 | 2 |
| Alaska | Pets Best | 4 | 2 |
| Arizona | Pets Best | 3 | 3 |
| Arkansas | Pets Best | 4 | 2 |
| California | Pets Best | 6 | 0 |
| Colorado | Pets Best | 3 | 3 |
| Connecticut | Pets Best | 4 | 2 |
| Delaware | Pets Best | 3 | 3 |
| Florida | Pets Best | 3 | 3 |
| Georgia | Pets Best | 4 | 2 |
| Hawaii | Pets Best | 4 | 2 |
| Idaho | Pets Best | 4 | 2 |
| Illinois | Pets Best | 4 | 2 |
| Indiana | Pets Best | 4 | 2 |
| Iowa | Pets Best | 3 | 3 |
| Kansas | Pets Best | 4 | 2 |
| Kentucky | Pets Best | 4 | 2 |
| Louisiana | Pets Best | 3 | 3 |
| Maine | Pets Best | 4 | 2 |
| Maryland | Pets Best | 3 | 3 |
| Massachusetts | Pets Best | 4 | 2 |
| Michigan | Pets Best | 3 | 3 |
| Minnesota | Pets Best | 4 | 2 |
| Mississippi | Pets Best | 3 | 3 |
| Missouri | Pets Best | 4 | 2 |
| Montana | Pets Best | 4 | 2 |
| Nebraska | Pets Best | 3 | 3 |
| Nevada | Pets Best | 3 | 3 |
| New Hampshire | Pets Best | 3 | 3 |
| New Jersey | Pets Best | 3 | 3 |
| New Mexico | Pets Best | 3 | 3 |
| New York | Pets Best | 3 | 3 |
| North Carolina | Pets Best | 3 | 3 |
| North Dakota | Pets Best | 3 | 3 |
| Ohio | Pets Best | 3 | 3 |
| Oklahoma | Pets Best | 3 | 3 |
| Oregon | Pets Best | 4 | 2 |
| Pennsylvania | Pets Best | 3 | 3 |
| Rhode Island | Pets Best | 4 | 2 |
| South Carolina | Pets Best | 4 | 2 |
| South Dakota | Pets Best | 3 | 3 |
| Tennessee | Pets Best | 4 | 2 |
| Texas | Pets Best | 4 | 2 |
| Utah | Pets Best | 3 | 3 |
| Vermont | Pets Best | 3 | 3 |
| Virginia | Pets Best | 3 | 3 |
| Washington | Pets Best | 4 | 2 |
| West Virginia | Pets Best | 3 | 3 |
| Wisconsin | Pets Best | 2 | 4 |
| Wyoming | Pets Best | 4 | 2 |
Pets Best vs. Healthy Paws Pet Insurance Cost
Pets Best offers more affordable pet insurance than Healthy Paws across most age groups for both cats and dogs. For middle-aged dogs, Pets Best costs $53 per month compared with Healthy Paws' $136 per month. Middle-aged cats cost $27 monthly with Pets Best versus $59 with Healthy Paws.
Learn more about how much pet insurance costs across different age categories.
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% |
Pets Best vs. Healthy Paws Pet Insurance Cost by State
Pricing results are mixed, with Pets Best offering the cheapest pet insurance across most age groups in all 50 states. Pets Best leads for middle-aged dogs and cats, while Healthy Paws provides lower rates only for senior pets.
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% |
Pets Best vs. Healthy Paws Pet Insurance Discounts
Pets Best provides more pet insurance discounts than Healthy Paws, offering savings for multi-pet households and certain partnerships. Healthy Paws keeps pricing straightforward, focusing on a single accident and illness plan without additional discounts.
Save around 5% when you insure more than one pet under the same account. | None | |
Bundling | Discounts may apply through select partnerships or organizations. | None |
Annual Pay-In Full | May be available depending on state or plan selection. | None |
Association/Club Member | Certain member programs or group affiliations may qualify for additional savings. | None |
Employer Group | May be offered through participating employer benefit programs. | None |
Pets Best vs. Healthy Paws Pet Insurance Customer Experience
Pets Best delivers better customer experience than Healthy Paws, though both providers rank fifth nationally for dogs and cats. The comparison reveals mixed third-party ratings. Pets Best shows stronger Trustpilot reviews but receives a poor BBB rating, while Healthy Paws maintains an excellent BBB standing despite slightly lower Trustpilot scores.
Pets Best vs Healthy Paws Trustpilot ratings
Pets Best earns a 4.0 out of 5.0 Trustpilot rating compared to Healthy Paws' 3.8 out of 5.0. Both providers receive mixed feedback from verified customers, with Pets Best showing slightly higher overall satisfaction scores.
Pets Best vs Healthy Paws BBB ratings
Healthy Paws maintains an A+ BBB rating with accreditation, indicating strong complaint resolution practices. Pets Best holds an F rating and is not accredited, suggesting significant issues with business transparency and complaint handling.
Pets Best vs Healthy Paws Reddit sentiment
Reddit analysis shows Pets Best with 70% positive sentiment from 10 total comments (7 positive, 3 negative). Healthy Paws received 20% positive feedback from 40 comments (8 positive, 32 negative), indicating more widespread customer concerns discussed in social forums.
Pets Best vs. Healthy Paws Pet Insurance Coverage
Healthy Paws offers better pet insurance coverage for dogs and cats than Pets Best, ranking sixth nationally while Pets Best ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Healthy Paws has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ (available through wellness add-on) | – (not included) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100–$1,000 annual deductible options | $100, $250, or $500 depending on age and location | |
$5,000 to unlimited, depending on plan | Unlimited annual and lifetime payouts | |
70%, 80%, or 90% | 70%, 80%, or 90% | |
3 days for accidents, 14 days for illnesses, 6 months for orthopedic issues (may vary by state) | 15 days for accidents and illnesses, 12 months for hip dysplasia | |
Age restrictions | No upper age limit for enrollment | Enrollment available up to 14 years old depending on breed |
Curable conditions may be covered after a symptom-free period | Pre-existing conditions excluded from coverage | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Pets Best vs. Healthy Paws Pet Insurance Add-ons
When it comes to optional benefits, Pets Best provides greater flexibility with wellness plans and preventive care add-ons, while Healthy Paws focuses entirely on unexpected accidents and illnesses.
Pets Best Pet Insurance Add-ons
Pets Best allows policyholders to personalize their plan with additional routine and preventive care benefits.
- EssentialWellness plan: Covers routine exams, vaccines, dental cleaning, blood tests, and spay/neuter.
- BestWellness plan: Includes all EssentialWellness benefits plus higher reimbursement for vaccines, heartworm prevention, urinalysis, and additional diagnostic testing.
- Exam fee coverage: Available with higher-tier accident and illness plans to help offset costs of vet consultations.
Healthy Paws Pet Insurance Add-ons
Healthy Paws keeps its policy straightforward and does not offer wellness or preventive care add-ons. Its single accident and illness plan is designed to provide comprehensive coverage for diagnostics, treatments, and emergency care without annual or lifetime caps.
Pets Best vs. Healthy Paws Pet Insurance: Bottom Line
Pets Best beats Healthy Paws overall, leading in affordability, coverage options, and customer service delivery. Pets Best offers more budget-friendly rates at $53 per month for middle-aged dogs and $27 for cats. The provider also delivers more comprehensive coverage options and better customer support. However, Pets Best holds an F BBB rating while maintaining a solid 4.0 Trustpilot score, suggesting real customer experiences differ from formal ratings.
Pets Best vs. Healthy Paws Pet Insurance Comparison: FAQ
Compare Pets Best and Healthy Paws pet insurance through these common questions:
Which is cheaper: Pets Best vs Healthy Paws pet insurance?
Pets Best offers cheaper pet insurance rates across six of eight age categories in all 50 states. Middle-aged cats cost $27 monthly with Pets Best versus Healthy Paws' $59. The savings are even more significant for middle-aged dogs at $53 monthly compared to Healthy Paws' $136 rate.
Which has better customer service: Pets Best vs Healthy Paws pet insurance?
Pets Best delivers superior customer service, ranking 5th nationally for customer experience compared to Healthy Paws' lower ranking. Pets Best holds a 4.0 out of 5.0 Trustpilot score with an F BBB rating, while Healthy Paws maintains a 3.8 Trustpilot score and an A+ BBB rating. Despite BBB differences, Pets Best consistently outperforms in overall customer experience.
Which offers better coverage: Pets Best vs Healthy Paws pet insurance?
Pets Best offers better coverage, ranking 2nd nationally while Healthy Paws ranks 6th for both cats and dogs. Pets Best provides multiple add-on options including dental illness coverage, behavioral therapy, and end-of-life care. Healthy Paws focuses primarily on wellness plan add-ons. Both cover standard veterinary needs like diagnostics, medications, and chronic conditions, but Pets Best's extensive add-on selection delivers superior customization.
Can I switch from Pets Best vs Healthy Paws pet insurance or vice versa?
Yes, you can switch between Pets Best and Healthy Paws at any time by canceling your current policy and purchasing a new one. However, new waiting periods will apply: 14 days for illnesses and 5 days for accidents with both providers. Pre-existing conditions from your previous policy will not be covered under your new plan.
Does Pets Best vs Healthy Paws cover pre-existing conditions?
Neither Pets Best nor Healthy Paws covers pre-existing conditions initially. However, both companies may provide coverage for certain conditions later. Pets Best covers curable pre-existing conditions after 12 consecutive months without symptoms, treatment, or medication. Healthy Paws excludes all pre-existing conditions permanently with no waiting period exceptions.
Can I get discounts with both Pets Best vs Healthy Paws pet insurance?
Yes, both Pets Best and Healthy Paws offer discounts to help reduce premium costs. Pets Best provides multiple discount options, including savings for military members, veterinary professionals, and annual payment plans. Healthy Paws offers fewer discount programs but includes multi-pet discounts and occasional promotional savings for new customers.
What are the age limits for Pets Best vs Healthy Paws pet insurance?
Pets Best accepts pets of any age for enrollment with no upper age limits, making it accessible for senior animals. Healthy Paws restricts enrollment to pets under 5 years old, which significantly limits coverage options for older pets and their owners.
How We Scored Pets Best vs. Healthy Paws Pet Insurance
Evaluating Pets Best vs Healthy Paws required gathering quotes and policy details under identical circumstances. We analyzed both providers using the same pet profiles and coverage specifications listed below.
• $5,000 annual limit • 80% reimbursement rate • $500 deductible • 6-year-old Labrador Retriever for dog coverage • 7-year-old Ragdoll for cat coverage
MoneyGeek then scored both companies using three key factors weighted by their importance to pet owners.
Affordability (50% of score): We collected quotes across different pet ages and coverage options to measure actual monthly costs, including available discounts that affect real premiums.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to assess customer satisfaction with claims processing and support quality.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.