Compare Healthy Paws vs. Trupanion Pet Insurance
What’s the difference between Healthy Paws Pet Insurance and Trupanion Pet Insurance? See how our editors compare the two companies below.
Last Updated: April 24, 2024
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Key Facts
- No enrollment or administrative fees
- Accidents, illnesses & emergency care
- Most claims are processed within 2 days
- Flexible premium & deductible options
- Unlimited payouts and no caps on coverage
- 90% reimbursement on the amount billed by your vet
- Direct-to-vet payment at time of checkout available to limit pet owners' out-of-pocket costs
- Per-condition deductible can reduce pet owners' expenses for chronic conditions
- Fast reimbursement
- No penalties for filing claims
OVERALL RATINGS
| Healthy Paws | Trupanion | |
|---|---|---|
| Coverage | 3.5/5 | 5.0/5 |
| Cost | 4.0/5 | 4.5/5 |
| Extras | 4.0/5 | 4.5/5 |
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Final Verdict
Trupanion Pet Insurance has a higher overall rating than Healthy Paws Pet Insurance. Trupanion scores better than Healthy Paws across: Coverage, Benefit Limits, Deductibles, Reimbursement, Cost, Extras, Reviews, and Enrollment.
Customer Comments & Reviews
Healthy Paws Pet Insurance review
HealthyPaws has cared for all of my animals for well over a decade now. I've had everything from large dogs with broken bones, rattlesnake bites, down to elderly cats with kidney problems. I recommend HealthyPaws to everyone I come across. Submitting claims is really straighforward, coverage is very predictable ,and it's clear the people that work here really care about people's pets.
Healthy Paws Pet Insurance review
Responds to claims in a timely manner. Having Healthy Paws has enabled me to give my dog the very best care. The stress of high vet bills is alleviated knowing I will be covered.I encourage anyone looking for pet insurance to consider Healthy Paws.
Trupanion Pet Insurance review
We have used Trupanion for 12 years and have been very pleased with the ease of submitting claims, and the speed that they pay claims. Our dog was very ill from the time he was 2 years old and Trupanion paid out more than $40,000 over that period. Our new puppy is now 17 weeks old and he is also covered by Trupanion. The few times I had to call customer service, the folks were exceptionally nice and assisted in getting the claim paid. Great company to work with.
Trupanion Pet Insurance review
Well, we were with Trupanion for about ten years with our last dog and were more than happy with this service. Our costs were covered quickly through our vets which was especially important as we dealt with his cancer and subsequent death. We did not have to submit anything ourselves during our periods of worry and grief. Yes we did feel the rates went up quickly but we did have peace of mind and we did feel the large costs incurred when he was a puppy , the fact he needed life long treatment for lymes disease, and his cancer treatments at the end of his life were more than covered (and this was without us accessing the "accident" portion.) We now have a new pet three years later and are considering using them again.
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
Trupanion Pet Insurance review
Liston in their customer service department was awesome. He explained everything clearly and went way above the call of duty to help. I am so glad that I cam back to Trupanion, No gimmicks or hidden fees. Straight forward so you really do know what you are paying for and what is and is not covered. How good is that?
Thank you Liston!
Jerry
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%.
Trupanion Pet Insurance review
My boy, "Mr. Pipes," has been through hell these last few years. He's had his gall bladder removed, several bouts of pancreatitis, a stroke, an inflamed liver, tumor biopsies and more. Our total vet bills have easily topped $20k. Trupanion has covered 90% (excepting exam fees) with absolutely NO hassle. They even directly deposit the funds into my checking account within 2 weeks of submitting the claims. I'm impressed beyond belief. It honestly seems too good to be true, but it is.