MoneyGeek's analysis found that Healthy Paws offers better pet insurance for cats than Pets Best, ranking sixth while Pets Best finishes seventh. For dogs, Pets Best takes the lead, placing three spots ahead of Healthy Paws. Pets Best also performs better across the areas that matter most to pet owners, making it the better option for those looking for lower rates, better customer service or broader coverage.
Pets Best vs. Healthy Paws Pet Insurance
Updated: June 10, 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 outperforms Healthy Paws on customer service, with 70% positive sentiment on Reddit for its fast claim reimbursement and responsive customer representatives.
Pets Best keeps waiting periods short and lets you build on base coverage with optional add-ons, which makes it the stronger pick for pet owners who want broader 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, with its biggest savings for kittens at 70%. Healthy Paws is cheaper for senior pets, beating 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 has the cheapest pet insurance rates for younger animals across all 50 states, covering kittens, puppies and young and middle-aged pets. Once your dog or cat reaches its senior years, Healthy Paws takes the edge, beating Pets Best on price in every state.
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 are 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 has four pet insurance discounts; Healthy Paws has none. All Pets Best discounts save you 5% and cover multiple pets, military members, veterinary staff and employer group plan members.
Multiple pets | Save 5% when you insure more than one pet. | None |
Military | Active-duty service members, veterans and military spouses or dependents get 5% off. | None |
Veterinary staff | 5% off for veterinary clinic staff. | None |
Employer group plan | Save 5% by 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 ratingsPets Best holds a Trustpilot rating of 3.7 out of 5, while Healthy Paws has 4.1 out of 5. Pets Best customers point to 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 draws criticism for high 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 greater policy customization, shorter waiting periods, optional add-ons to expand your coverage and no upper age limit for enrollment.
Diagnostic tests | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Broken bones and fractures | ✓ | ✓ |
Cuts and bite wounds | ✓ | ✓ |
Parasite treatment | Prevention only, through an optional add-on | X |
✓ | ✓ | |
Digestive issues | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $200, $250, $500 or $1,000 | $250, $500 or $1,000 | |
$5,000, $10,000 or unlimited | Unlimited | |
70%, 80% or 90% | 70%, 80% or 90% | |
3 days for accidents; 14 days for illnesses; 6 months for cruciate ligament conditions | 15 days for illnesses and accidents; 12 months for hip dysplasia | |
Age restrictions | No upper age limit | Pets must be under 14 years old at enrollment |
Pre-existing conditions | Curable conditions may qualify for coverage once resolved with no further treatment needed | All conditions present before enrollment or during waiting periods are permanently excluded |
Direct vet payment | Pays your vet directly if your vet agrees and you contact Healthy Paws customer service before treatment | 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 has several optional add-ons to supplement your base policy:
- EssentialWellness plan: Covers wellness exams, vaccinations, blood work, fecal exams, urinalysis, heartworm tests and deworming.
- BestWellness plan: Includes everything in EssentialWellness, plus dental cleaning and spaying or neutering.
- Exam fees coverage: Reimburses exam fees related to covered accidents and illnesses.
- Physical therapy coverage: Covers rehabilitation, acupuncture and chiropractic care for eligible accidents or illnesses.
Healthy Paws doesn't offer add-ons for routine care or other benefits. Its policy covers accidents and illnesses only.
Pets Best vs. Healthy Paws Pet Insurance: Bottom Line
Healthy Paws beats Pets Best for cat insurance overall, with lower rates for aging felines. Pets Best wins for dog insurance, with better affordability, customer satisfaction and coverage options. It also has shorter waiting periods for accidents and illnesses and more ways to customize your base policy.
Compare other major pet insurance companies:
Pets Best vs. Healthy Paws Pet Insurance Comparison: FAQ
Pets Best is the better choice for dog insurance overall, with lower rates, stronger 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 the better fit for cat insurance, with cheaper premiums for aging felines.
Pets Best costs less across six of eight age categories, from kittens and puppies to young and middle-aged pets, with savings of up to 70% on kitten coverage. Healthy Paws is cheaper only for senior pets, where its rates run 6% to 15% lower.
Pets Best covers more than Healthy Paws, adding routine care, exam fees and physical therapy through optional add-ons. It also covers curable pre-existing conditions once resolved with no further treatment needed. Healthy Paws permanently excludes any condition present before enrollment.
Pets Best has a three-day waiting period for accidents and 14 days for illnesses. Healthy Paws requires 15 days for both, making Pets Best the faster option for new coverage to take effect.
Our Reddit analysis found that Pets Best holds 70% positive sentiment among users, earning praise for its faster claim processing and reimbursement.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.
Sources
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed July 27, 2026.
- Trustpilot. "Healthy Paws Pet Insurance ." Accessed July 27, 2026.
- Better Business Bureau. "Healthy Paws." Accessed July 27, 2026.
- Better Business Bureau. "Pets Best Insurance Services." Accessed July 27, 2026.