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.
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Key Facts
  • Consistently #1 in customer satisfaction, A+ BBB
  • Chosen by almost 90% of Consumers Advocate 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 Models
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 Models
9/10
Claims and Service
9/10
Pricing
9/10
Enrollment
Customer Reviews
 (793)
9.6 / 10 - Excellent
95%
5 stars
1%
4 stars
1%
3 stars
1%
2 stars
3%
1 stars
 (274)
8.2 / 10 - Excellent
76%
5 stars
4%
4 stars
2%
3 stars
1%
2 stars
16%
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 Models.

Latest Reviews

Alan P
Valencia, California
Healthy Paws Pet Insurance review
5/25/2017
Excellent insurance company for your pet insurance. They pay your claims with no hassle. They do not try to find excuses to reduce payments based on "exclusions" as I have experienced with other insurance companies. They follow up to see how your pet did with its illness. If you signed up, for instance, to get 90% reimbursement on your claims, you will get the 90% reimbursement that they promised you when you signed up. I like this company!

Corinne S
Burlington, Massachusetts
Healthy Paws Pet Insurance review
5/24/2017
Healthy Paws has processed our claims quickly, efficiently, and 100% in line with our agreement. Their app is easy to use, they send reimbursements in a timely fashion, and a customer service rep even reached out to check in on us to make sure all was ok when our dog was sick. A+!

S
[email protected]
San Luis Obispo, California
Trupanion Pet Insurance review
1/25/2017
Trupanion has proven time and time again to be a great partner in keeping our Stella healthy and happy! It is key that we continue to work on prevention with our little girl and Trupanion has supported us the entire way. Claims are easy, paperwork is quick and turnaround is amazing. I hope they add "people" insurance soon. I'll be the first to sign up.

M
Muriel H
Jeffersonville, Indiana
Trupanion Pet Insurance review
1/21/2017
The person with whom I worked (Brian) was extremely helpful and could not have been nicer. My checks arrived immediately. I highly recommend this company and am very pleased that I have insurance with them.

C
CJ M
Downers Grove, Illinois
Healthy Paws Pet Insurance review
2/7/2015
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
Trupanion Pet Insurance review
1/21/2015
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
Healthy Paws Pet Insurance review
1/17/2015
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
Reseda, California
Trupanion Pet Insurance review
1/13/2015
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.