Compare Healthy Paws vs. Petplan Pet Insurance

What’s the difference between Healthy Paws Pet Insurance and Petplan Pet Insurance? See how our editors compare the two companies below.
Last Updated: May 25, 2018
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Healthy Paws Pet Insurance
9.8 / 10 - Excellent
#1 in Pet Insurance
Petplan Pet Insurance
8.9 / 10 - Excellent
#2 in Pet Insurance
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Key Facts

  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of ConsumersAdvocate.org visitors
  • Comprehensive illness and accident coverage
  • Unlimited lifetime benefits + no claim caps!
  • Annual deductible (recommended)
  • Free mobile app & no claims forms
  • Comprehensive Coverage (includes vet exam fee!)
  • Flexible annual reimbursement up to Unlimited
  • Choose Annual Deductible from $100-$1,000
  • 24/7 Customer Service – top rated, always available
  • Use any veterinarian in the US or Canada
  • Fast, paperless claim reimbursement via Petplan App
  • 10% Online Discount & Free Barkbox Offer

OVERALL RATINGS

 Healthy PawsPetplan
Coverage9/1010/10
Benefit Limits10/1010/10
Deductibles10/1010/10
Reimbursement10/1010/10
Claims and Service10/109/10
Pricing10/106/10
Enrollment10/108/10

What do their policies cover?

 Healthy PawsPetplan
Pets Covered
Dogs
Cats
Dogs
Cats
Coverage Types
Medical
Medical
Vet Selection
Unrestricted
Unrestricted
Out-of-State Coverage
Commercial Pets Covered

Medical Conditions Covered

Healthy Paws
vs
Petplan
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness

Medical Treatments Covered

Healthy Paws
vs
Petplan
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Alternative Care

How do their benefit limits compare?

 Healthy PawsPetplan
Benefit Limit Types
Unlimited
Annual
Unlimited

Reimbursement & Deductible Differences

 Healthy PawsPetplan
Reimbursement Model
Actual Cost
Actual Cost
Minimum Percent Reimbursement
70%
70%
Maximum Percent Reimbursement
90%
90%
 Healthy PawsPetplan
Deductible Type
Annual
Annual
Minimum Deductible Offered
$100
$100
Maximum Deductible Offered
$500
$1,000

Cost Comparison

Starting Monthly Premiums

 Healthy PawsPetplan
Dogs
$32.83
$29.16
Cats
$17.19
$18.19
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Rate Details: Annual Deductible: $1,000, Benefits Cap: $5,000, Reimbursement Model: 70% of Actual Cost
Available Discounts: 10% Lifetime Discount for Animal Welfare Volunteers, 10% Lifetime Discount for Association or Alumni Organizations, 10% Lifetime Discount for Membership Groups such as AAA, AARP, and Costco, 15% Lifetime Discount for Employer Sponsored Plans, 10% Lifetime Discount for Military Service
Available Discounts: Wag-worthy 10% discount for veterinary professionals when they enrol online (5% veterinary professional discount + 5% online discount)

Compare Enrollment & Waiting Periods

 Healthy PawsPetplan
Min Enrollment Age
8 weeks
6 weeks
Max Enrollment Age
13 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
15 days
Free Look Period
30 days
30 days

Claims & Service

 Healthy PawsPetplan
Advertised Response Time
#<Db::CompanyValue:0x007f6e2223aea0>
Claim Form
Email
Fax
Online Portal
Mobile App
Mail
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

 Healthy PawsPetplan
Homepage URL
Headquarters Address
1229 120th Ave NE Ste C, Bellevue, WA, 98105
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
3805 West Chester Pike, Suite 240, Newton Square, PA, 19073
Year Founded
2009
2003

Final Verdict

Healthy Paws Pet Insurance has a higher overall rating than Petplan Pet Insurance. Healthy Paws scores better than Petplan across: Claims and Service, Pricing, Reviews, and Enrollment. However, Petplan scores better on Coverage. Both companies score similarly on Benefit Limits, Deductibles, and Reimbursement.


Customer Comments & Reviews

G
Gokhan
San Jose, California

5/26/2018
Healthy Paws Pet Insurance review
It is really rare for me to have such a flawless experience with insurance companies but HealthyPaws is exceptional. It does not matter if you or your little friend gets sick, the outcome is almost always a very large bill. My lovely cat has gone through some unfortunate moments and we didn't have to be worried about the costs but instead utilized all our energy for her getting well. I am totally grateful to them.


B
Brandon L
Denver, Colorado

5/26/2018
Healthy Paws Pet Insurance review
Easy to submit claims and quick payments for reimbursement. Or dog had TPLO surgery and healthy paws helped make the surgery an affordable option to get our pooch back to normal again. After we submitted our claim they followed up a few wins later to make sure he was doing well. We really appreciated the care and follow up.


M
Mary H
Chicago, Illinois

4/16/2018
Petplan Pet Insurance review
I have gone through the ringer with you! I have to WORK a full time job with you to get service Promised. Claims are lost! Inability to read claims! A timely return on cash put out! Shameful! This company is full of regret! Apologies etc. etc.


C
Callie
Atlanta, Georgia

4/13/2018
Petplan Pet Insurance review
We have had an excellent experience with Petplan! Our wheaten poodle mix has had several stomach and allergy issues since we adopted him and I don't know what we would have done without Petplan! My only advice would be to check into the policy and plan for when the coverage actually begins. We didn't realize there was a waiting period once we signed up for treatment coverage and had to pay more from the onset of our policy than we anticipated.


D
David K
Chapel Hill, North Carolina

3/23/2015
Petplan Pet Insurance review
fast friendly. had no issues with getting doctor paid by PetPlan for several claims. one was about $4000. I only had to pay $200.


N
Natasha E
Pasadena, California

3/13/2015
Petplan Pet Insurance review
I've had PetPlan for years, I think around 8 years now and I cannot be happier with their coverage, speed of processing claims and the amounts that they cover and reimburse. They do not split hairs, and I never had a question or a doubt that they were not being fair in their reimbursements. I've had three cats covered through them, out of which one had to be put down due to acute renal failure and it cost in the ER hospital fees in thousands of $ (LA, CA). They paid me back everything, minus the deductible and up to 80% for the ER/specialty care. Then I adopted my second cat, who is still rather young, but he just had a second bout of pancreatitis in his short 5 years of live. He barely survived and the bill again was in thousands of $$$ for having to rush him in between an ER and ER Specialty hospital. PetPlan again covered a fair deal and sent me a check within 10 days. No questions asked. Fair coverage, happy customer and my cat pulled through, thankfully to this great insurance and even more so to the staff of the two hospitals that took a good care of him. Thank you PetPlan!


C
CJ M
Chicago Heights, Illinois

2/7/2015
Healthy Paws Pet Insurance review
Regarding the online quoting system + let me include multiple pets on same quote - can't figure out how to pay an annual amount rather than monthly - they add $25 to the first payment for account set up =deal breaker


L
Lori S
Austin, Texas

1/17/2015
Healthy Paws Pet Insurance review
I've not actually had my pets covered under this insurer, but they are among the ones I obtained quotes from while shopping around. I have 2 cats; a 4 yr old male & a 12 yr old female. The female is actually in better health than the male, with his frequent UTIs, however because she is over 8 yrs old the best plan they will give me is a $500 deductible & 70% reimbursement, with various limitations. And at the same rate as the comprehensive plan for my male, which has a $100 deductible & reimburses at 90%.