Key Differences
Healthy Paws has a claims submission app, Prudent Pet does not.
Prudent Pet offers an optional wellness coverage add-on, Healthy Paws does not.
Healthy Paws has a fixed unlimited maximum annual limit, Prudent Pet’s is configurable up to unlimited.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Healthy Paws and Prudent Pet offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
4,738 |
1,619 |
Deductible: |
$250, $500, $750, or $1,000* |
$100, $250, $500, or $1,000 |
Reimbursement: |
50%, 60%, 70% or 80%* |
70%, 80%, or 90% |
Annual Limit: |
Unlimited |
$2,500, $5,000, $10,000, or Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
Varies by state (0 days or 15 days)** |
5 days |
Illness Waiting Period: |
15 days** |
14 days |
Wellness Waiting Period: |
Not available |
0 days |
Orthopedic Waiting Period: |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
6 months, optional waiting period waiver |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Excluded |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
No |
Optional |
Direct Vet Pay: |
Yes, with prior approval |
Yes, on a case-by-case basis |
Claims Expiration: |
Within any time of the coverage period of your policy |
90 days after the end of the policy period |
Claims Submission App: |
Yes |
No |
Healthy Paws Accident and Illness Coverage
Healthy Paws offers accident and illness coverage for dogs and cats. You can configure your reimbursement rate and deductible to fit your needs. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70% or 80%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
Prudent Pet Accident and Illness Coverage
Prudent Pet offers two accident and illness plans: Essential and Ultimate. You can configure the deductible and reimbursement rate for the plan you select to fit your needs and budget.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $10,000, or Unlimited
What's Covered
Here is what is covered in each plan that Prudent Pet offers.
Essential Plan
The Essential accident and illness plan offers a $10,000 annual limit which cannot be configured. You can adjust the deductible and reimbursement rate to your preference.
Alternative Therapies (Vet-Prescribed)
Behavioral Disorders
Bite Wounds
Broken Bones
Cancer & Growths
Cancer Treatments
Congenital (Birth) Defects or Abnormalities
Digestive Illness
Eye, Ear, Skin Conditions
Emergencies
Hereditary Conditions
Hip Dysplasia
Hospitalizations
Injuries to Teeth or Mouth
Prescription Meds
Radiology & Diagnostic Tests
Surgery & Specialized Care
Swallowed Objects
Urinary Infections
Ultimate Plan
The Ultimate accident and illness plan offers an unlimited annual limit that cannot be configured. You can adjust the deductible and reimbursement rate to your preference. This plan covers everything that is in the Essential plan, plus:
Advertising & Reward
Boarding Kennel & Cattery Fees
Loss Due to Theft or Stray
Mortality Benefit
Vacation Cancellation
Optional Coverage Add-Ons
Vet Exam Fee
Wellness Coverage
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Healthy Paws and Prudent Pet.
Healthy Paws Claims Details
Healthy Paws Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) within any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Healthy Paws app
Offers direct vet pay on a claim-by-claim basis with prior approval
Prudent Pet Claims Details
Prudent Pet has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with invoice(s) no later than 90 days after the end of the policy period. Prudent Pet also offers vet direct pay on a case-by-case basis.
Direct deposit option for receiving reimbursements
Convenient claim submission on desktop or mobile through a customer portal
75% of claims are processed and reimbursed within 24 hours
Our Healthy Paws vs. Prudent Pet Review
Healthy Paws and Prudent Pet offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Prudent Pet offers an optional wellness coverage add-on but Healthy Paws does not. As for coverage, they are similar. But, Healthy Paws offers coverage that doesn’t have annual or lifetime payout caps. You can configure the deductible and reimbursement rate on a plan with Healthy Paws, but the maximum annual limit is fixed. Prudent Pet offers options for deductibles, reimbursement rates, and annual limits. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
