Healthy Paws delivers stronger pet insurance coverage than Spot, ranking sixth nationally while Spot places eighth for both cats and dogs. Healthy Paws offers unlimited annual coverage limits compared to Spot's $10,000-$20,000 caps, plus allows plan changes within 30 days versus Spot's restrictive modification policies, though both providers feature similar deductible ranges and reimbursement rates.
Spot vs. Healthy Paws Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
Spot vs. Healthy Paws Pet Insurance: Key Takeaways
Spot provides more affordable pet insurance rates than Healthy Paws, charging $30 monthly for middle-aged cats and $49 for dogs, while Healthy Paws costs $59 and $136 respectively.
Spot ranks second nationally in customer experience for both cats and dogs, supported by a strong Trustpilot rating of 4.7 out of 5.0 stars, while fifth-ranked Healthy Paws maintains a 3.8-star rating.
Healthy Paws achieves a sixth-place national ranking for coverage compared to Spot's eighth place, offering comprehensive accident and illness protection with a 15-day waiting period for accidents.
Is Spot or Healthy Paws Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Healthy Paws | 6 | 9 |
| Coverage | Healthy Paws | 6 | 8 |
| Customer Experience | Spot | 2 | 5 |
| Overall Score | Spot | 6 | 6 |
Spot and Healthy Paws Comparison by State
Healthy Paws is the best pet insurance company in 19 states for dogs and leads in Arkansas for cats. Spot ranks first in four states for dog coverage and three states for cat insurance, including California, Florida and Massachusetts.
Data filtered by:
Overall Score
Dog
| Alabama | Healthy Paws | 6 | 1 |
| Alaska | Healthy Paws | 6 | 2 |
| Arizona | Spot | 6 | 0 |
| Arkansas | Healthy Paws | 6 | 2 |
| California | Spot | 4 | 2 |
| Colorado | Spot | 6 | 0 |
| Connecticut | Healthy Paws | 6 | 1 |
| Delaware | Healthy Paws | 6 | 1 |
| Florida | Spot | 4 | 2 |
| Georgia | Healthy Paws | 6 | 1 |
| Hawaii | Healthy Paws | 6 | 2 |
| Idaho | Spot | 6 | 0 |
| Illinois | Spot | 6 | 0 |
| Indiana | Spot | 6 | 0 |
| Iowa | Spot | 6 | 0 |
| Kansas | Spot | 5 | 1 |
| Kentucky | Spot | 5 | 1 |
| Louisiana | Healthy Paws | 6 | 2 |
| Maine | Spot | 5 | 1 |
| Maryland | Spot | 4 | 2 |
| Massachusetts | Spot | 6 | 0 |
| Michigan | Spot | 6 | 0 |
| Minnesota | Healthy Paws | 6 | 1 |
| Mississippi | Spot | 6 | 0 |
| Missouri | Spot | 6 | 0 |
| Montana | Healthy Paws | 6 | 1 |
| Nebraska | Healthy Paws | 6 | 2 |
| Nevada | Spot | 5 | 1 |
| New Hampshire | Spot | 5 | 1 |
| New Jersey | Spot | 6 | 0 |
| New Mexico | Healthy Paws | 6 | 2 |
| New York | Healthy Paws | 6 | 1 |
| North Carolina | Spot | 6 | 0 |
| North Dakota | Healthy Paws | 6 | 1 |
| Ohio | Healthy Paws | 6 | 1 |
| Oklahoma | Spot | 5 | 1 |
| Oregon | Spot | 6 | 0 |
| Pennsylvania | Spot | 6 | 0 |
| Rhode Island | Healthy Paws | 6 | 1 |
| South Carolina | Spot | 5 | 1 |
| South Dakota | Spot | 6 | 0 |
| Tennessee | Healthy Paws | 6 | 1 |
| Texas | Spot | 6 | 0 |
| Utah | Healthy Paws | 6 | 1 |
| Vermont | Healthy Paws | 6 | 2 |
| Virginia | Spot | 6 | 0 |
| Washington | Spot | 5 | 1 |
| West Virginia | Spot | 4 | 2 |
| Wisconsin | Spot | 6 | 0 |
| Wyoming | Spot | 5 | 1 |
Spot vs. Healthy Paws Pet Insurance Cost
Spot offers more affordable pet insurance than Healthy Paws across most age groups for cats and dogs. Middle-aged dogs cost $49 per month with Spot compared with Healthy Paws' $136 per month. For middle-aged cats, Spot charges $30 versus Healthy Paws' $59.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Spot | $14 | 68% |
| Young Cats | Spot | $19 | 30% |
| Puppies | Spot | $25 | 48% |
| Middle Aged Cats | Spot | $30 | 49% |
| Young Dogs | Spot | $32 | 27% |
| Middle Aged Dogs | Spot | $49 | 64% |
| Senior Cats | Healthy Paws | $63 | 13% |
| Senior Dogs | Healthy Paws | $115 | 3% |
Spot vs. Healthy Paws Pet Insurance Cost by State
Spot offers the cheapest pet insurance across most categories, leading in middle-aged dogs and cats nationwide. However, Healthy Paws provides more affordable rates for senior pets in all 50 states.
Data filtered by:
Middle Aged Dogs
| Alabama | Spot | $36 | 64% |
| Alaska | Spot | $48 | 64% |
| Arizona | Spot | $59 | 64% |
| Arkansas | Spot | $33 | 64% |
| California | Spot | $61 | 64% |
| Colorado | Spot | $61 | 64% |
| Connecticut | Spot | $56 | 64% |
| Delaware | Spot | $49 | 64% |
| Florida | Spot | $55 | 64% |
| Georgia | Spot | $44 | 64% |
| Hawaii | Spot | $49 | 64% |
| Idaho | Spot | $49 | 64% |
| Illinois | Spot | $60 | 64% |
| Indiana | Spot | $44 | 64% |
| Iowa | Spot | $41 | 64% |
| Kansas | Spot | $44 | 64% |
| Kentucky | Spot | $39 | 64% |
| Louisiana | Spot | $39 | 64% |
| Maine | Spot | $59 | 64% |
| Maryland | Spot | $48 | 64% |
| Massachusetts | Spot | $63 | 64% |
| Michigan | Spot | $49 | 64% |
| Minnesota | Spot | $51 | 64% |
| Mississippi | Spot | $41 | 64% |
| Missouri | Spot | $38 | 64% |
| Montana | Spot | $41 | 64% |
| Nebraska | Spot | $44 | 64% |
| Nevada | Spot | $50 | 64% |
| New Hampshire | Spot | $56 | 64% |
| New Jersey | Spot | $55 | 64% |
| New Mexico | Spot | $43 | 64% |
| New York | Spot | $53 | 64% |
| North Carolina | Spot | $43 | 64% |
| North Dakota | Spot | $37 | 64% |
| Ohio | Spot | $45 | 64% |
| Oklahoma | Spot | $41 | 64% |
| Oregon | Spot | $61 | 64% |
| Pennsylvania | Spot | $51 | 64% |
| Rhode Island | Spot | $43 | 64% |
| South Carolina | Spot | $46 | 64% |
| South Dakota | Spot | $43 | 64% |
| Tennessee | Spot | $45 | 64% |
| Texas | Spot | $52 | 64% |
| Utah | Spot | $47 | 64% |
| Vermont | Spot | $45 | 64% |
| Virginia | Spot | $52 | 64% |
| Washington | Spot | $56 | 64% |
| West Virginia | Spot | $42 | 64% |
| Wisconsin | Spot | $52 | 64% |
| Wyoming | Spot | $45 | 64% |
Spot vs. Healthy Paws Pet Insurance Discounts
Pet insurance discounts vary significantly by provider and eligibility criteria. Below is a comparison showing how Spot and Healthy Paws stack up across standard discount types—so you can empower your decision on premium savings.
Save ~10% for each additional pet enrolled (after the first) | None publicly listed | |
Bundling | None publicly listed | None publicly listed |
Annual Pay-In-Full | None publicly listed | None publicly listed |
Association/Club Member | Club/association discounts available (e.g., AAA) | None publicly listed |
Employer Group | Employer-partner discounts may apply | None publicly listed |
Spot vs. Healthy Paws Pet Insurance Customer Experience
Spot delivers superior customer experience compared to Healthy Paws, ranking second nationally for both dog and cat insurance. Healthy Paws ranks seventh in the same category. Both providers maintain A+ BBB ratings, but Spot's 4.7 out of 5.0 Trustpilot score significantly outpaces Healthy Paws' 3.8 rating, showing stronger real-world customer satisfaction across the board.
Spot vs Healthy Paws Trustpilot ratings
Spot earns a higher Trustpilot rating at 4.7 out of 5.0 compared to Healthy Paws' 3.8 out of 5.0. These verified customer reviews suggest Spot delivers more consistent satisfaction in areas like customer service responsiveness and claims processing. The nearly one-point difference indicates a meaningful gap in overall customer experience between the two providers.
Spot vs Healthy Paws BBB ratings
Both Spot and Healthy Paws maintain A+ BBB ratings and A+ ratings respectively, with full accreditation from the Better Business Bureau. These ratings reflect strong complaint handling, transparency and ethical business practices for both companies. The identical BBB standings indicate both providers meet high standards for trustworthiness and regulatory compliance.
Spot vs Healthy Paws Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Spot achieved 45% positive sentiment from 29 total comments (13 positive, 16 negative), while Healthy Paws scored 20% positive from 40 comments (8 positive, 32 negative). The data suggests Spot generates more favorable customer discussions, with users frequently mentioning helpful customer service. Healthy Paws faces more critical feedback, particularly regarding claims processing and communication delays.
Spot vs. Healthy Paws Pet Insurance Coverage
Healthy Paws offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot 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 | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $1,000 | Various deductible options (customizable) | |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | No annual payout limit | |
70%, 80%, 90% | Up to ~90% (varies) | |
14 days for illnesses & accidents; longer for some conditions | Waiting periods apply (details vary by state/plan) | |
Age restrictions | No specific upper age limit documented | Enrollment age may vary by state and plan |
Curable conditions may be covered after symptom-free period | Pre-existing conditions are excluded | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. Healthy Paws Pet Insurance Add-ons
If you’re seeking greater financial protection beyond standard illness and accident coverage, here’s how Spot and Healthy Paws compare in optional wellness plan offerings.
Spot Pet Insurance Add-ons
- Preventive/Wellness add-on: Includes wellness exams, vaccines, dental cleaning, blood tests and parasite prevention.
- Flexible plan structure: You can choose accident-only or accident + illness base; add wellness features as needed.
Healthy Paws Pet Insurance Add-ons
- None. Healthy Paws offers a single plan covering new accidents and illnesses and does not currently include optional wellness or preventive-care add-ons.
Spot vs. Healthy Paws Pet Insurance: Bottom Line
Choosing between Spot and Healthy Paws depends on your priorities. Spot offers more affordable rates, with middle-aged dogs starting at $49 monthly and cats at $30, plus delivers better customer service with a 4.7 Trustpilot rating and A+ BBB rating. However, Healthy Paws provides more comprehensive coverage options, including broader treatment benefits and fewer exclusions. Both companies maintain strong reputations, making your decision about whether you prioritize savings or extensive coverage.
Spot vs. Healthy Paws Pet Insurance Comparison: FAQ
Compare Spot and Healthy Paws pet insurance through these common questions:
Which is cheaper: Spot vs Healthy Paws pet insurance?
Spot is cheaper than Healthy Paws for most pet categories, winning in 6 out of 8 age groups across all 50 states. Middle-aged dogs cost $49 monthly with Spot versus $136 with Healthy Paws. However, Healthy Paws offers better rates for senior pets only.
Which has better customer service: Spot vs Healthy Paws pet insurance?
Spot delivers superior customer service, ranking 2nd nationally for customer experience while Healthy Paws ranks 7th. Spot maintains a 4.7 out of 5.0 Trustpilot score and an A+ BBB rating, compared to Healthy Paws' 3.8 Trustpilot score and A+ BBB rating, showing Spot's clear advantage in customer satisfaction.
Which offers better coverage: Spot vs Healthy Paws pet insurance?
Healthy Paws offers better coverage than Spot, ranking 6th nationally compared to Spot's 8th-place ranking for both cats and dogs. Healthy Paws provides comprehensive accident and illness coverage with no caps on payouts, while Spot offers more add-on options including wellness plans and preventive care. Both cover standard needs like diagnostics, surgeries and medications, but Healthy Paws' unlimited benefit structure makes it superior for serious conditions.
Can I switch from Spot vs Healthy Paws pet insurance or vice versa?
Yes, you can switch between Spot 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 six months for orthopedic conditions with both providers. Any conditions diagnosed under your previous policy will be considered pre-existing and won't be covered.
Does Spot vs Healthy Paws cover pre-existing conditions?
Neither Spot nor Healthy Paws covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage later for certain curable conditions. Spot covers curable pre-existing conditions after 180 consecutive days without symptoms, while Healthy Paws covers them after 12 months symptom-free.
Can I get discounts with both Spot vs Healthy Paws pet insurance?
Yes, both Spot and Healthy Paws offer discounts to help reduce premium costs. Spot provides multiple discount options, including 10% off for military members, veterinary professionals, and multi-pet households. Healthy Paws offers fewer discount types but includes 5% savings for annual payment plans and multi-pet discounts of up to 10% when insuring multiple animals.
What are the age limits for Spot vs Healthy Paws pet insurance?
Spot accepts pets from 8 weeks old with no upper age limit, allowing enrollment at any life stage. Healthy Paws restricts enrollment to pets under 6 years old, which excludes many senior animals from coverage. This age restriction makes Spot the better option for owners with older pets seeking comprehensive insurance protection.
How We Scored Spot vs. Healthy Paws Pet Insurance
Evaluating Spot versus Healthy Paws required analyzing both providers under identical conditions. We obtained quotes using the same pet profiles and policy specifications to ensure fair comparison:
- $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 scored both companies using three weighted factors that reflect key consumer priorities:
Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess real-world pricing, including available discounts that affect actual premiums.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to measure customer satisfaction with claims processing and support services.
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.