Based on MoneyGeek's analysis, Spot offers better pet insurance than Healthy Paws for dogs and cats. However, your best option may still change depending on your priorities. If you're looking for cheaper cat insurance or excellent service, consider Spot. If you want lower rates for dogs or superior coverage, Healthy Paws is more ideal.
Spot vs. Healthy Paws Pet Insurance
Updated: January 23, 2026
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Spot vs. Healthy Paws Pet Insurance: Key Takeaways
Spot is cheaper for kittens, puppies and young to middle-aged pets, letting you save up to 68% for kitten coverage. Healthy Paws is 3% to 13% cheaper for senior pets.
Spot provides better customer service than Healthy Paws, earning a 4.7 out of 5.0 Trustpilot rating and 45% positive sentiment on Reddit for its helpful customer representatives and quick claims processing.
Healthy Paws offers superior coverage than Spot, featuring the option to pay licensed veterinarians directly for covered claims, reducing upfront costs.
Is Spot or Healthy Paws Pet Insurance Better?
Data filtered by:
Overall Score
| Cat | Spot | 2 | 6 |
| Dog | Spot | 6 | 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.
Learn more about the best pet insurance options for your pet across different situations:
Spot and Healthy Paws Comparison by State
Spot wins against Healthy Paws as the best pet insurance company in 49 states for cats and 31 states for dogs. Healthy Paws flips the advantage in Arkansas for cat insurance. It also leads in 19 states for dogs, including Connecticut, Georgia, Hawaii, New York, Ohio and Tennessee.
Data filtered by:
Select
| Alabama | Cat | Spot |
| Alabama | Dog | Healthy Paws |
| Alaska | Cat | Spot |
| Alaska | Dog | Healthy Paws |
| Arizona | Cat | Spot |
| Arizona | Dog | Spot |
| Arkansas | Cat | Healthy Paws |
| Arkansas | Dog | Healthy Paws |
| California | Cat | Spot |
| California | Dog | Spot |
| Colorado | Cat | Spot |
| Colorado | Dog | Spot |
| Connecticut | Cat | Spot |
| Connecticut | Dog | Healthy Paws |
| Delaware | Cat | Spot |
| Delaware | Dog | Healthy Paws |
| Florida | Cat | Spot |
| Florida | Dog | Spot |
| Georgia | Cat | Spot |
| Georgia | Dog | Healthy Paws |
| Hawaii | Cat | Spot |
| Hawaii | Dog | Healthy Paws |
| Idaho | Cat | Spot |
| Idaho | Dog | Spot |
| Illinois | Cat | Spot |
| Illinois | Dog | Spot |
| Indiana | Cat | Spot |
| Indiana | Dog | Spot |
| Iowa | Cat | Spot |
| Iowa | Dog | Spot |
| Kansas | Cat | Spot |
| Kansas | Dog | Spot |
| Kentucky | Cat | Spot |
| Kentucky | Dog | Spot |
| Louisiana | Cat | Spot |
| Louisiana | Dog | Healthy Paws |
| Maine | Cat | Spot |
| Maine | Dog | Spot |
| Maryland | Cat | Spot |
| Maryland | Dog | Spot |
| Massachusetts | Cat | Spot |
| Massachusetts | Dog | Spot |
| Michigan | Cat | Spot |
| Michigan | Dog | Spot |
| Minnesota | Cat | Spot |
| Minnesota | Dog | Healthy Paws |
| Mississippi | Cat | Spot |
| Mississippi | Dog | Spot |
| Missouri | Cat | Spot |
| Missouri | Dog | Spot |
| Montana | Cat | Spot |
| Montana | Dog | Healthy Paws |
| Nebraska | Cat | Spot |
| Nebraska | Dog | Healthy Paws |
| Nevada | Cat | Spot |
| Nevada | Dog | Spot |
| New Hampshire | Cat | Spot |
| New Hampshire | Dog | Spot |
| New Jersey | Cat | Spot |
| New Jersey | Dog | Spot |
| New Mexico | Cat | Spot |
| New Mexico | Dog | Healthy Paws |
| New York | Cat | Spot |
| New York | Dog | Healthy Paws |
| North Carolina | Cat | Spot |
| North Carolina | Dog | Spot |
| North Dakota | Cat | Spot |
| North Dakota | Dog | Healthy Paws |
| Ohio | Cat | Spot |
| Ohio | Dog | Healthy Paws |
| Oklahoma | Cat | Spot |
| Oklahoma | Dog | Spot |
| Oregon | Cat | Spot |
| Oregon | Dog | Spot |
| Pennsylvania | Cat | Spot |
| Pennsylvania | Dog | Spot |
| Rhode Island | Cat | Spot |
| Rhode Island | Dog | Healthy Paws |
| South Carolina | Cat | Spot |
| South Carolina | Dog | Spot |
| South Dakota | Cat | Spot |
| South Dakota | Dog | Spot |
| Tennessee | Cat | Spot |
| Tennessee | Dog | Healthy Paws |
| Texas | Cat | Spot |
| Texas | Dog | Spot |
| Utah | Cat | Spot |
| Utah | Dog | Healthy Paws |
| Vermont | Cat | Spot |
| Vermont | Dog | Healthy Paws |
| Virginia | Cat | Spot |
| Virginia | Dog | Spot |
| Washington | Cat | Spot |
| Washington | Dog | Spot |
| West Virginia | Cat | Spot |
| West Virginia | Dog | Spot |
| Wisconsin | Cat | Spot |
| Wisconsin | Dog | Spot |
| Wyoming | Cat | Spot |
| Wyoming | Dog | Spot |
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.
Spot vs. Healthy Paws Pet Insurance Cost
Spot offers more affordable pet insurance than Healthy Paws for kittens, puppies and young to middle-aged pets, with kitten coverage offering the biggest savings at 68% lower monthly rates. Healthy Paws is cheaper for senior pets, costing 13% less for senior cats and 3% less for senior dogs compared to Spot.
See how much pet insurance costs across different age categories below.
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% |
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.
Spot vs. Healthy Paws Pet Insurance Cost by State
Spot consistently offers the cheapest pet insurance nationwide for kittens, young and middle-aged cats, puppies, and young and middle-aged dogs. Meanwhile, Healthy Paws costs less for senior pets across 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% |
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.
Spot vs. Healthy Paws Pet Insurance Discounts
Spot offers three pet insurance discounts compared to Healthy Paws, which provides none, giving Spot a clear advantage for pet owners looking to save money. You'll save 10% through Spot's multi-pet, AAA or Blue Cross Blue Shield membership and employer group plan discounts.
Multiple pets | 10% off on each additional pet’s premium when multiple pets are enrolled. | None. |
Association | Members of American Automobile Association (AAA) and Blue Cross Blue Shield save 10% on pet insurance. | None. |
Employer group plan | Get 10% discount for joining a participating employer's group plan. | None. |
Spot vs. Healthy Paws Pet Insurance Customer Experience
Spot provides better customer service than Healthy Paws, ranking second nationally for both pets, while Healthy Paws is behind by three spots. Spot's win is backed by a 4.7 out of 5.0 Trustpilot score, A+ rating from the Better Business Bureau and 45% positive sentiment from Reddit.
Spot vs Healthy Paws Trustpilot ratings
Spot earns a Trustpilot rating of 4.7 out of 5.0, which is higher than Healthy Paws' 4.0 out of 5.0. Spot customers praise the provider's fast claim processing and quick reimbursements within days. Healthy Paws customers appreciate coverage for major procedures but frequently complain about steep premium increases for senior pets and claims denied as pre-existing conditions.
Spot vs Healthy Paws BBB ratings
Spot holds an A+ BBB rating, the highest grade available, similar to Healthy Paws' A+ rating, showing both companies meet BBB Standards for Trust. The A+ rating reflects factors including complaint resolution, transparent business practices and advertised claims accuracy.
Spot vs Healthy Paws Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Spot earns 45% positive sentiment from 29 total comments (13 positive, 16 negative), while Healthy Paws receives 20% positive from 40 comments (eight positive, 32 negative). Reddit users highlight Spot's responsive customer service and quick claims processing, while criticizing Healthy Paws for massive premium increases for senior pets.
Spot vs. Healthy Paws Pet Insurance Coverage
Healthy Paws has superior pet insurance coverage or dogs and cats than Spot, ranking sixth nationally while Spot ranks eighth. Although Healthy Paws has fewer coverage options and longer waiting periods, the company wins by offering to pay licensed veterinarians directly for covered claims, which Spot doesn't feature.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $250, $500, $1,000 | |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
14 days for accidents, illnesses and orthopedic conditions | 15 days for illnesses and accidents, 12 months for hip dysplasia | |
Age restrictions | No upper age limits for enrollment | Only insures pets up to 14 years old during enrollment |
Pre-existing conditions | Curable pre-existing conditions may be covered after 180 symptom-free days | Conditions that developed before enrollment or during waiting periods are permanently excluded |
Direct vet payment | Doesn't have direct vet payment feature | Pays licensed veterinarians directly, as long as your vet agrees and you contact its customer service before your pet's treatment |
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, Spot offers one optional add-on focused on routine care. It comes into two tiers:
- Gold wellness plan: Reimburses up to $250 annually and covers dental cleaning, wellness exams, vaccines, heartworm tests, deworming and fecal tests.
- Platinum wellness plan: Includes all Gold benefits and adds spaying/neutering, additional vaccines, health certificates, urinalysis, blood tests and flea/heartworm prevention with higher reimbursements.
In contrast, Healthy Paws offers a single plan covering new accidents and illnesses and doesn't currently include optional add-ons.
Spot vs. Healthy Paws Pet Insurance: Bottom Line
Spot offers better pet insurance for cats and dogs than Healthy Paws, particularly excelling in customer service, with a 4.7 out of 5.0 Trustpilot rating and A+ BBB rating. Spot also offers lower rates for kittens, puppies and young to middle-aged pets, providing up to 68% savings for kitten coverage. Healthy Paws is ideal for superior coverage, offering the option to pay licensed vets directly and 3% to 13% cheaper rates for senior pets.
Compare other major pet insurance companies to determine the best choice for your pet:
Spot vs. Healthy Paws Pet Insurance Comparison: FAQ
Compare Spot and Healthy Paws pet insurance through these common questions:
What are the main differences between Spot and Healthy Paws Pet Insurance?
Spot offers three discounts and one optional add-on for routine care, while Healthy Paws provides none. Spot also ranks higher for customer experience, with a 4.7 out of 5.0 Trustpilot rating compared to Healthy Paws' 4.0 out of 5.0. On the other hand, Healthy Paws has direct vet payment to reduce upfront costs, which Spot doesn't offer.
Is Spot or Healthy Paws cheaper for pet insurance?
Spot offers cheaper pet insurance for kittens, puppies and young to middle-aged pets, with up to 68% savings for kitten coverage. Healthy Paws costs less for senior pets, offering 13% lower rates for senior cats and 3% lower rates for senior dogs.
Does Spot or Embrace offer better coverage for older pets?
Healthy Paws ranks sixth nationally for coverage while Spot ranks eighth, with Healthy Paws offering the option to pay licensed vets directly for covered claims. The company also provides unlimited coverage, though it only insures pets up to 14 during enrollment.
Does Spot or Healthy Paws have better reimbursement rates and deductibles?
Both Spot and Healthy Paws offer similar reimbursement rates: 70%, 80%, 90%. However, Spot has five deductible options, while Healthy Paws only provides three.
Which is better for my dog or cat: Spot or Healthy Paws Pet Insurance?
Spot ranks as the better pet insurance choice for both dogs and cats overall. Spot excels in customer experience and affordability for younger pets, while Healthy Paws offers better rates for senior animals and superior coverage options. Choose Spot if your pet is young or middle-aged and you value customer service, or consider Healthy Paws if you have a senior pet and prioritize maximum coverage over service quality.
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.