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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: November 20, 2017
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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
  • Unlimited payouts and no caps on coverage
  • Can pay the vet directly - 90% less out of pocket!
  • 90% coverage
  • Award willing customer service, A+ with BBB
  • Per-condition deductible (good for chronic conditions) 
  • Fast payouts and no penalties for filing claims

ConsumersAdvocate.org Ratings

9.8 / 10 - Excellent
9/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
10/10
Claims and Service
10/10
Pricing
10/10
Enrollment
9.6 / 10 - Excellent
10/10
Coverage
10/10
Benefit Limits
10/10
Deductibles
10/10
Reimbursement
9/10
Claims and Service
9/10
Pricing
9/10
Enrollment

Customer Reviews

 (1147)
9.6 / 10 - Excellent
95%
5 stars
1%
4 stars
1%
3 stars
1%
2 stars
2%
1 stars
 (284)
8.2 / 10 - Excellent
75%
5 stars
4%
4 stars
2%
3 stars
1%
2 stars
18%
1 stars

Final Verdict

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


Latest Reviews

A
Anat T
Skokie, Illinois
11/20/2017
Healthy Paws Pet Insurance review
Healthy Paws insurance is great! I have used them a few times in the last four years, or so, and their service is impeccable. In addition to that, filing a claim on the app is so easy and they respond immediately. They also follow up with an email asking about your pet's progress and recovery. They really care! I highly recommend Healthy Paws to anyone who has a pet and wants to ensure giving them the best care possible.


M
Mary
Corona, California
11/19/2017
Healthy Paws Pet Insurance review
Veterinary medicine is now as expensive as people medicine. My 3 yr old cat developed 2 every expensive illness this year. One incident happened when he ate the end off his fleece toy. One gastric surgery later I am so grateful I only had a portion of the $4700 bill to pay. Healthy Paws has been very responsive to far.


Cathie M
Sewell, New Jersey
9/24/2017
Trupanion Pet Insurance review
They cover your dogs medication and emergency care I never problem with a claim very efficient and helpful


Sonya P
Hollywood, Florida
8/29/2017
Trupanion Pet Insurance review
Thankfully I haven't had to use yet, I had 0 deductible policy on my dog, at beginning of this year they increased my premium and now I have a deductible. So no I'm not happy about it.


C
CJ M
Plainfield, 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


J
Jerry R
Portland, Oregon
1/21/2015
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


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%.


E
Edward M
Chatsworth, California
1/13/2015
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.