Key Differences
Healthy Paws has a claims submission app, Pets Best does not.
Pets Best offers an optional wellness coverage add-on, Healthy Paws does not.
Healthy Paws has a fixed unlimited maximum annual limit, Pets Best’s is configurable up to unlimited.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Healthy Paws and Pets Best offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
4,738 |
19,362 |
Deductible: |
$250, $500, $750, or $1,000* |
$50, $100, $200, $250, $500, or $1,000 |
Reimbursement: |
50%, 60%, 70% or 80%* |
70%, 80%, or 90% |
Annual Limit: |
Unlimited |
$5,000, $10,000, or Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
Varies by state (0 days or 15 days)** |
3 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 |
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 |
Claims Expiration: |
Within any time of the coverage period of your policy |
Within 180 days of treatment |
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.
Pets Best Accident and Illness Coverage
Pets Best offers an accident and illness plan. You can also configure some coverage options, such as exam fees, to be included or excluded to fit your needs.
Annual Deductible Options
$50, $100, $200, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, or Unlimited
What's Covered
Accidents
Behavioral Issues
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care and Hospitalization
Euthanasia
Hereditary Conditions
Illnesses
Prescription Medications*
Prosthetic Devices and Wheelchairs
Surgery
Review a sample policy for a complete list of coverage and exclusions
*Coverage included with most accident & illness plans. Review a sample policy for a complete list of covered medications.
Optional Routine Care Add-On
Pet’s Best offers two levels of an optional wellness care add-on, EssentialWellness or BestWellness. The main difference between the two is the amount you receive towards annual benefits. For EssentialWellness it’s up to $305 and for BestWellness it’s $535. Here’s what is covered in each level:
EssentialWellness
Pays up to the following limits, per year, with no deductible:
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
BestWellness
Pays up to the following limits, per year, with no deductible:
Spay/Neuter — Teeth Cleaning
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
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 Pets Best.
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
Pets Best Claims Details
Pets Best Insurance has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with the invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements on eligible conditions
Convenient claim submission on desktop or mobile through a customer portal
Offers direct vet pay
Our Healthy Paws vs. Pets Best Review
Healthy Paws and Pets Best offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Pets Best 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. Pets Best 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.
