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: August 23, 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

 (1044)
9.6 / 10 - Excellent
95%
5 stars
1%
4 stars
1%
3 stars
1%
2 stars
2%
1 stars
 (283)
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

K
KP

9/18/2017
Healthy Paws Pet Insurance review
I switched to Healthy Paws from another pet insurance company I was happy with (they increased my deductible from $50/mo to $100/mo- I expecte yearly increases, but a 100% increase was not acceptable to me). A few months later, my dog developed a malignant mass on his leg. After the initial submission of veterinary paperwork and his medical history, HealthyPaws began paying on the claim(s). Their remibursement process is fast, averaging 3-5 days. They paid over $7,500 in claims in the first month of treatment and have continued to pay on all of our oncology follow ups, etc.


S
Sarav
Lillington, North Carolina

9/18/2017
Healthy Paws Pet Insurance review
First off, the policy is incredibly inclusive and the logistics of filing a claim couldn't be easier. It's hard trying to find coverage for a large dog (Great Dane) and healthy paws provided just that...and kept it affordable. When my dog tore his crucial ligament, the folks at healthy paws were understanding and went out of their way to make the entire process simple. What could have been a few thousand dollars worth of headaches turned into a relatively painless ordeal. I've recommended healthy paws to everyone I know without any reservations.



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.


N
Garden Grove, California

7/5/2017
Trupanion Pet Insurance review
I've had five dogs insured with Trupanion in the last six years.  After having a dog with bone cancer and paying five figures for her care, I decided I'd never be without insurance again.  A friend of mine recommended Trupanion so ... I signed up!   I've filed claims for arthritis, cysts, GI issues, liver disease, spinal disease and three cases of cancer all covered at 90%.   Thousands of dollars in claims paid as oncology is expensive.  $16k for my last cancer dog and Trupanion paid over $14k of it. I think what people need to understand is that this is not for routine care.  This is for the unexpected stuff!  Luckily, my third dog is healthy and I have only filed one small claim for her but ... I consider it paying for peace of mind each month.   They also reimburse very quickly and have the ability to direct pay the hospital. This is a HUGE benefit!  One of my senior dogs had a $4700 surgery and I was only out of pocket 10%.   I mean, really?  How can you not love that??? No other company does that. Trupanion may cost more but that type of service along with the no limits aspect of their coverage make it much more complete.


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.