Trupanion offers better pet insurance than Healthy Paws, ranking fifth nationally for cats and sixth for dogs, while Healthy Paws places sixth for both pets. Trupanion consistently leads ahead of Healthy Paws across affordability, customer experience and coverage, showing that it's the superior choice whether you're looking for cheaper rates, better customer service or more comprehensive financial protection.
Trupanion vs. Healthy Paws Pet Insurance
Updated: January 30, 2026
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Trupanion vs. Healthy Paws Pet Insurance: Key Takeaways
Trupanion offers lower rates for kittens, young cats and middle-aged pets, with up to 62% savings for kitten coverage. Healthy Paws is more affordable for puppies to young dogs and senior pets, providing up to 54% savings for senior dogs.
While both providers rank fifth nationally in customer experience, Trupanion earns a higher Trustpilot rating (4.4 versus 4.0 out of 5.0) and stronger positive sentiment on Reddit (44% versus 20% positive) than Healthy Paws.
Trupanion provides better coverage for both pets than Healthy Paws, featuring per-condition deductibles and shorter waiting periods, depending on the state.
Is Trupanion or Healthy Paws Pet Insurance Better?
Data filtered by:
Overall Score
| Cat | Trupanion | 5 | 6 |
| Dog | Trupanion | 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:
Trupanion and Healthy Paws Comparison by State
Trupanion outperforms Healthy Paws in all 50 states, making it the best pet insurance company no matter where you live.
Data filtered by:
Select
| Alabama | Cat | Trupanion |
| Alabama | Dog | Trupanion |
| Alaska | Cat | Trupanion |
| Alaska | Dog | Trupanion |
| Arizona | Cat | Trupanion |
| Arizona | Dog | Trupanion |
| Arkansas | Cat | Trupanion |
| Arkansas | Dog | Trupanion |
| California | Cat | Trupanion |
| California | Dog | Trupanion |
| Colorado | Cat | Trupanion |
| Colorado | Dog | Trupanion |
| Connecticut | Cat | Trupanion |
| Connecticut | Dog | Trupanion |
| Delaware | Cat | Trupanion |
| Delaware | Dog | Trupanion |
| Florida | Cat | Trupanion |
| Florida | Dog | Trupanion |
| Georgia | Cat | Trupanion |
| Georgia | Dog | Trupanion |
| Hawaii | Cat | Trupanion |
| Hawaii | Dog | Trupanion |
| Idaho | Cat | Trupanion |
| Idaho | Dog | Trupanion |
| Illinois | Cat | Trupanion |
| Illinois | Dog | Trupanion |
| Indiana | Cat | Trupanion |
| Indiana | Dog | Trupanion |
| Iowa | Cat | Trupanion |
| Iowa | Dog | Trupanion |
| Kansas | Cat | Trupanion |
| Kansas | Dog | Trupanion |
| Kentucky | Cat | Trupanion |
| Kentucky | Dog | Trupanion |
| Louisiana | Cat | Trupanion |
| Louisiana | Dog | Trupanion |
| Maine | Cat | Trupanion |
| Maine | Dog | Trupanion |
| Maryland | Cat | Trupanion |
| Maryland | Dog | Trupanion |
| Massachusetts | Cat | Trupanion |
| Massachusetts | Dog | Trupanion |
| Michigan | Cat | Trupanion |
| Michigan | Dog | Trupanion |
| Minnesota | Cat | Trupanion |
| Minnesota | Dog | Trupanion |
| Mississippi | Cat | Trupanion |
| Mississippi | Dog | Trupanion |
| Missouri | Cat | Trupanion |
| Missouri | Dog | Trupanion |
| Montana | Cat | Trupanion |
| Montana | Dog | Trupanion |
| Nebraska | Cat | Trupanion |
| Nebraska | Dog | Trupanion |
| Nevada | Cat | Trupanion |
| Nevada | Dog | Trupanion |
| New Hampshire | Cat | Trupanion |
| New Hampshire | Dog | Trupanion |
| New Jersey | Cat | Trupanion |
| New Jersey | Dog | Trupanion |
| New Mexico | Cat | Trupanion |
| New Mexico | Dog | Trupanion |
| New York | Cat | Trupanion |
| New York | Dog | Trupanion |
| North Carolina | Cat | Trupanion |
| North Carolina | Dog | Trupanion |
| North Dakota | Cat | Trupanion |
| North Dakota | Dog | Trupanion |
| Ohio | Cat | Trupanion |
| Ohio | Dog | Trupanion |
| Oklahoma | Cat | Trupanion |
| Oklahoma | Dog | Trupanion |
| Oregon | Cat | Trupanion |
| Oregon | Dog | Trupanion |
| Pennsylvania | Cat | Trupanion |
| Pennsylvania | Dog | Trupanion |
| Rhode Island | Cat | Trupanion |
| Rhode Island | Dog | Trupanion |
| South Carolina | Cat | Trupanion |
| South Carolina | Dog | Trupanion |
| South Dakota | Cat | Trupanion |
| South Dakota | Dog | Trupanion |
| Tennessee | Cat | Trupanion |
| Tennessee | Dog | Trupanion |
| Texas | Cat | Trupanion |
| Texas | Dog | Trupanion |
| Utah | Cat | Trupanion |
| Utah | Dog | Trupanion |
| Vermont | Cat | Trupanion |
| Vermont | Dog | Trupanion |
| Virginia | Cat | Trupanion |
| Virginia | Dog | Trupanion |
| Washington | Cat | Trupanion |
| Washington | Dog | Trupanion |
| West Virginia | Cat | Trupanion |
| West Virginia | Dog | Trupanion |
| Wisconsin | Cat | Trupanion |
| Wisconsin | Dog | Trupanion |
| Wyoming | Cat | Trupanion |
| Wyoming | Dog | Trupanion |
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.
Trupanion vs. Healthy Paws Pet Insurance Cost
Trupanion offers lower rates than Healthy Paws for kittens, middle-aged cats, middle-aged dogs and young cats, while Healthy Paws wins for puppies, senior cats, senior dogs and young dogs. You'll save the most with kittens, where Trupanion costs 62% less than Healthy Paws. Senior pet owners benefit most from Healthy Paws, saving about 54% on average.
Learn how much pet insurance costs across different age categories below.
Data filtered by:
Select
| Kittens | Trupanion | $16 | 62% |
| Young Cats | Trupanion | $25 | 6% |
| Young Dogs | Healthy Paws | $44 | 37% |
| Puppies | Healthy Paws | $48 | 7% |
| Middle Aged Cats | Trupanion | $48 | 18% |
| Senior Cats | Healthy Paws | $63 | 53% |
| Middle Aged Dogs | Trupanion | $88 | 35% |
| Senior Dogs | Healthy Paws | $115 | 54% |
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.
Trupanion vs. Healthy Paws Pet Insurance Cost by State
At the state level, Trupanion wins against Healthy Paws as the cheapest pet insurance provider for kittens, young cats and middle-aged pets in every state. Healthy Paws upsets Trupanion nationwide for puppies, young dogs and senior pets.
Data filtered by:
Middle Aged Dogs
| Alabama | Trupanion | $64 | 36% |
| Alaska | Trupanion | $85 | 36% |
| Arizona | Trupanion | $108 | 35% |
| Arkansas | Trupanion | $59 | 36% |
| California | Trupanion | $112 | 35% |
| Colorado | Trupanion | $111 | 35% |
| Connecticut | Trupanion | $101 | 35% |
| Delaware | Trupanion | $88 | 36% |
| Florida | Trupanion | $100 | 35% |
| Georgia | Trupanion | $79 | 36% |
| Hawaii | Trupanion | $89 | 36% |
| Idaho | Trupanion | $88 | 35% |
| Illinois | Trupanion | $110 | 35% |
| Indiana | Trupanion | $80 | 35% |
| Iowa | Trupanion | $74 | 36% |
| Kansas | Trupanion | $80 | 35% |
| Kentucky | Trupanion | $69 | 36% |
| Louisiana | Trupanion | $71 | 35% |
| Maine | Trupanion | $106 | 36% |
| Maryland | Trupanion | $86 | 36% |
| Massachusetts | Trupanion | $114 | 35% |
| Michigan | Trupanion | $88 | 35% |
| Minnesota | Trupanion | $92 | 35% |
| Mississippi | Trupanion | $74 | 36% |
| Missouri | Trupanion | $69 | 36% |
| Montana | Trupanion | $73 | 36% |
| Nebraska | Trupanion | $79 | 35% |
| Nevada | Trupanion | $92 | 35% |
| New Hampshire | Trupanion | $102 | 35% |
| New Jersey | Trupanion | $99 | 35% |
| New Mexico | Trupanion | $77 | 36% |
| New York | Trupanion | $96 | 35% |
| North Carolina | Trupanion | $78 | 35% |
| North Dakota | Trupanion | $67 | 36% |
| Ohio | Trupanion | $81 | 35% |
| Oklahoma | Trupanion | $74 | 36% |
| Oregon | Trupanion | $110 | 35% |
| Pennsylvania | Trupanion | $92 | 35% |
| Rhode Island | Trupanion | $77 | 35% |
| South Carolina | Trupanion | $83 | 36% |
| South Dakota | Trupanion | $77 | 36% |
| Tennessee | Trupanion | $81 | 35% |
| Texas | Trupanion | $94 | 35% |
| Utah | Trupanion | $84 | 36% |
| Vermont | Trupanion | $82 | 36% |
| Virginia | Trupanion | $94 | 35% |
| Washington | Trupanion | $101 | 36% |
| West Virginia | Trupanion | $76 | 36% |
| Wisconsin | Trupanion | $94 | 36% |
| Wyoming | Trupanion | $81 | 36% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age.
Trupanion vs. Healthy Paws Pet Insurance Discounts
Both Trupanion and Healthy Paws don't offer pet insurance discounts. Instead they focus on offering a single pet insurance policy with comprehensive coverage and fair pricing for all.
Trupanion vs. Healthy Paws Pet Insurance Customer Experience
Trupanion and Healthy Paws both rank fifth nationally in customer experience. Both companies earn A+ ratings from the Better Business Bureau, though Trupanion earns a higher Truspilot score and stronger positive sentiment on Reddit than Healthy Paws.
Trupanion vs. Healthy Paws Trustpilot ratings
Trupanion earns a higher Trustpilot rating at 4.4 out of 5.0 compared to Healthy Paws' 4.0 out of 5.0. Both companies earn praise for fast claim processing and straightforward coverage, with pet owners particularly noting Trupanion's direct payment to vets and 24/7 customer support. The main complaints mirror each other: premium increases over time and exam fees that aren't covered.
Trupanion vs. Healthy Paws BBB ratings
Trupanion maintains an A+ BBB rating, the highest grade reflecting a company's commitment to resolving customer complaints and maintaining ethical business practices. Similarly, Healthy Paws holds an A+ rating.
Trupanion vs. Healthy Paws Pet Insurance Reddit sentiment
We analyzed Reddit discussions and found Trupanion receives 44% positive sentiment from 16 total comments, while Healthy Paws earns 20% positive from 40 comments. Reddit users praised Trupanion's direct vet payment feature and per-condition deductible structure that covers ongoing treatments for life once you meet your deductible—something Healthy Paws doesn't offer. Healthy Paws users criticized the company for claim denials, repeated demands for veterinary records (sometimes requiring six or more submissions), and steep premium increases that double or triple as pets age.
Trupanion vs. Healthy Paws Pet Insurance Coverage
Trupanion offers better pet insurance coverage for dogs and cats than Healthy Paws, leading ahead in our national ranking by four spots. Although both companies offer direct vet payment, Trupanion stands out by providing per-condition deductibles that don't reset annually and shorter waiting periods, depending on where you live. Trupanion also offers unique add-ons that cover breeding and other pet owner benefits.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | X | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$0 to $1,000; deductible applies per condition for the lifetime of the pet | $250, $500, $1,000 | |
Unlimited | Unlimited | |
90% | 70%, 80%, 90% | |
5 days for accidents, 30 days for illnesses in most states. However, these waiting periods differ for the following states:
| 15 days for illnesses and accidents, 12 months for hip dysplasia | |
Age restrictions | Only insures pets below 14 years old | Enrollment available for pets under 14 years old |
Pre-existing conditions | Conditions that developed 18 months prior to your policy’s effective date or during waiting periods are permanently excluded | Conditions that developed before enrollment or during waiting periods are permanently excluded |
Direct vet payment | Pays licensed veterinarians right at checkout, provided the vet has Trupanion's software installed | Pays licensed vets directly, as long as your vet agrees and you contact Healthy Paws' 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.
Trupanion vs. Healthy Paws Pet Insurance Add-ons
When it comes to optional coverage, Healthy Paws offers none, choosing to focus on providing a straightforward accident and illness policy. Meanwhile, Trupanion offers three:
- Pet owner assistance package: Helps cover boarding fees if you are hospitalized, liability for third-party property damage, travel or holiday cancellation costs and end-of-life costs like cremation.
- Breeding: Provides coverage for accidents and illnesses related to breeding, whelping and queening.
- Recovery and complementary care: Adds coverage for alternative treatments such as acupuncture, chiropractic care, hydrotherapy, and rehabilitative therapy following an accident or illness.
Trupanion vs. Healthy Paws Pet Insurance: Bottom Line
Trupanion wins against Healthy Paws across all categories, making it the better choice for pet insurance overall. Trupanion offers more affordable rates, particularly for kittens, young cats and middle-aged pets, with the biggest savings at 62% for kittens. The company also maintains a 4.4 out of 5.0 Trustpilot rating and 44% positive Reddit sentiment, plus it provides per-condition deductibles and direct vet payment as part of its coverage.
Compare other major pet insurance companies to determine the best choice for your pet:
Trupanion vs. Healthy Paws Pet Insurance Comparison: FAQ
Compare Trupanion and Healthy Paws pet insurance through these common questions:
What is the difference between Trupanion and Healthy Paws pet insurance?
Trupanion uses a per-condition deductible that you pay once for each illness or injury, then it covers that condition for life at 90% reimbursement—meaning if your dog tears an ACL, you pay the deductible once and future treatments for that same condition are covered. Healthy Paws resets your deductible annually, so you pay it fresh each year regardless of ongoing conditions, but lets you customize your reimbursement rate from 70% to 90% and choose annual deductibles from $250 to $500. Both companies offer direct vet payment, but Trupanion requires the vet to install its software, while Healthy Paws needs you to contact its customer service before your pet's treatment.
Is Trupanion or Healthy Paws better for dogs and cats?
Trupanion is better for dogs and cats overall, delivering lower rates, superior customer service and more comprehensive coverage. It's also ideal for pets with chronic conditions like allergies, diabetes or recurring injuries because you only pay the deductible once per condition instead of annually. That said, it only insures pets below 14 years old during enrollment.
Which is cheaper: Trupanion or Healthy Paws pet insurance?
Trupanion is cheaper for kittens, young cats and middle-aged pets nationwide, providing up to 62% savings for kitten coverage. Meanwhile, Healthy Paws is more affordable for puppies, young dogs and senior pets, with savings up to 54% for senior dogs.
Does Trupanion vs Healthy Paws cover pre-existing conditions?
Neither Trupanion nor Healthy Paws cover pre-existing conditions, with Trupanion defining pre-existing conditions as those that occurred 18 months prior to your policy’s effective date or during waiting periods.
Which pet insurance company pays claims faster: Trupanion or Healthy Paws?
Trupanion pays vets directly within minutes if your clinic uses its software, eliminating your out-of-pocket costs at checkout except for your 10% share and deductible. On a similar note, Healthy Paws also offers to pay vets directly but requires you to contact its customer service before your pet's treatment.
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.