Healthy Paws Pet Insurance vs. Trupanion

Healthy Paws and Trupanion both offer excellent accident and illness coverage for any unexpected health issues your pet may suffer from. Healthy Paws offers reimbursement rates of 70-90% and Trupanion has a fixed reimbursement of 90%. Both companies offer unlimited claims payouts. Neither company offers optional wellness coverage.

So what’s the big difference between Healthy Paws and Trupanion? Not much, but Healthy Paws tends to be on the more inexpensive side while Trupanion’s plan covers exam fees (Healthy Paws does not).

In summary, both Healthy Paws and Trupanion are Tier-1 pet insurance companies and you and your furry friend would be happy with either one.


Price:	Get a Quote	Get a Quote
Overall Rating:
Total Reviews:	6,247	9,596
Deductible:	$250, $500, or $1,000	$0 - $1,000
Reimbursement:	70%, 80% or 90%*	90%
Annual Limit:	Unlimited	Unlimited
Company Profile:	Company Overview	Company Overview
Waiting Period for Accidents:	15 days	5 days
Waiting Period for Illnesses:	15 days	30 days
Waiting Period for Orthopedic Coverage:	15 days**	30 days
Emergency Care:	Included	Included
Accidents:	Included	Included
Illnesses:	Included	Included
Cancer Coverage:	Included	Included
Orthopedic Issues:	Included	Included
Hereditary Conditions:	Included	Included
Chronic Conditions:	Included	Included
Prescription Meds:	Included	Included
Wellness Coverage:	Excluded	Excluded
Vet Restrictions:	None	None

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Healthy Paws vs. Trupanion

Healthy Paws and Trupanion stand out as two of the most reliable pet insurance providers. Each company takes a slightly different approach to keeping costs low and meeting your pet’s healthcare requirements.

Comparing policies from both companies should help you choose one that matches your family’s needs and budget.

Healthy Paws Details

Deductible: Healthy Paws policies have deductibles from $250 to $1,000.
Reimbursement: Healthy Paws will reimburse you for 70% to 90% of covered costs in most states. The 90% reimbursement rate option is not available in CA, FL, NJ, NY, and WA.
Emergency Care: Healthy Paws covers emergency care.
Waiting Period for Accidents and Illnesses: Healthy Paws has a 15-day waiting period for accidents and illnesses.

Trupanion Details

Deductible: Trupanion policies have deductibles from $0 to $1,000.
Reimbursement: Trupanion reimburses 90% of covered costs.
Emergency Care: Trupanion covers emergency care.
Waiting Period for Accidents and Illnesses: Trupanion has a 5-day waiting period of accidents and a 30-day waiting period for illnesses.

Pet Insurance Coverage From Healthy Paws and Trupanion

Healthy Paws and Trupanion have similar policies that cover most emergency veterinary services. Trupanion offers additional riders for wellness services like homeopathy and acupuncture.

Healthy Paws and Trupanion Prices

Trupanion policies tend to cost a little more than those from Healthy Paws. Your price will depend on several factors, such as your pet’s health and the deductible you choose.

Should You Choose Healthy Paws or Trupanion?

Get a price quote to help you decide whether Healthy Paws or Trupanion is right for your family.

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Healthy Paws Pet Insurance Enrollment Requirements

90% reimbursement rate is not available in CA, FL, NJ, NY, and WA*
12-month waiting period for hip dysplasia**
Must be enrolled before 6 for hip dysplasia coverage
Minimum age: 8 weeks
Maximum age: 14 years (4 years in New York state)
A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination and the exam must have taken place either 12 months before the pet policy effective date or within 15 days following the pet policy effective date
A pet 6 years old or older on the date of enrollment must have undergone a complete clinical examination within 30 days before the pet policy effective date or 15 days following the pet policy effective date

Trupanion Pet Insurance Enrollment Requirements

Trupanion Enrollment Requirements

You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.