Healthy Paws vs Pets Best Pet Insurance (2026)
Quick Verdict
| Category | Healthy Paws | Pets Best |
|---|---|---|
| Overall Score | 8.7/10 | 8.5/10 |
| Monthly Cost (avg dog) | ~$35–$75/month | ~$35–$75/month |
| Reimbursement Model | Annual deductible; 70–90%; unlimited lifetime | Annual deductible; 70–90%; 24/7 vet helpline |
| Best For | Unlimited lifetime payout, fastest claims | 24/7 vet helpline, accident-only option, competitive pricing |
Overview
Healthy Paws and Pets Best are two of the most popular pet insurance providers in the United States. Both cover accidents and illnesses for dogs and cats, but they differ in pricing models, reimbursement structures, and coverage extras. Use the comparison below to determine the best fit for your pet.
Coverage Comparison
| Coverage Item | Healthy Paws | Pets Best |
|---|---|---|
| Accidents | Yes | Yes |
| Illnesses | Yes | Yes |
| Hereditary/Congenital | Yes (after waiting period) | Yes (after waiting period) |
| Cancer Treatment | Yes | Yes |
| Reimbursement Rate | 70–90% | 70–90% |
Key Differences
Healthy Paws is best suited for owners who want unlimited lifetime payout, fastest claims. The reimbursement structure is: Annual deductible; 70–90%; unlimited lifetime.
Pets Best is best suited for owners who want 24/7 vet helpline, accident-only option, competitive pricing. The reimbursement structure is: Annual deductible; 70–90%; 24/7 vet helpline.
Pricing
Monthly premiums range from ~$35–$75/month for Healthy Paws and ~$35–$75/month for Pets Best, depending on pet age, breed, location, and coverage level. Get a personalized quote from both providers before deciding.
Pros and Cons
Healthy Paws
Pros
- See detailed review at [GetPetPros Healthy Paws Review](/reviews/healthy-paws-pet-insurance)
- Strong coverage for unlimited lifetime payout, fastest claims
- Competitive pricing in its category
Cons
- May have higher premiums than competitors in some markets
- Coverage exclusions for pre-existing conditions (standard across all providers)
Pets Best
Pros
- See detailed review at [GetPetPros Pets Best Review](/reviews/pets-best-pet-insurance)
- Strong coverage for 24/7 vet helpline, accident-only option, competitive pricing
- Well-established claims process
Cons
- May be pricier in some pet profiles vs. Healthy Paws
- Coverage exclusions standard across industry
Best For
Choose Healthy Paws if: Unlimited lifetime payout, fastest claims
Choose Pets Best if: 24/7 vet helpline, accident-only option, competitive pricing
How to Get Quotes
1. Visit each provider’s website and enter your pet’s details (age, breed, zip code)
2. Compare coverage options at similar deductible and reimbursement levels
3. Check customer reviews on Trustpilot and the Better Business Bureau
4. Confirm your primary veterinarian accepts each provider
Related Comparisons
- [Embrace vs Trupanion](/compare/embrace-vs-trupanion)
- [Healthy Paws vs Trupanion](/compare/healthy-paws-vs-trupanion)
- [Lemonade vs Trupanion](/compare/lemonade-vs-trupanion)
FAQ
How do I choose between Healthy Paws and Pets Best? Compare quotes at the same deductible level for your specific pet. If Healthy Paws’s model (Annual deductible) suits your preferences, choose Healthy Paws. If you prefer Pets Best’s approach (Annual deductible), go with Pets Best.
Do both cover pre-existing conditions? No—standard across the entire pet insurance industry. Pre-existing conditions are excluded by all providers. Enroll your pet while young and healthy.
Which has better customer reviews? Both have strong Trustpilot ratings. Check current reviews at Trustpilot.com for the most up-to-date customer experience data.
What is the waiting period? Most providers have a 14-day waiting period for illnesses and 2–5 days for accidents. Orthopedic conditions may have 6-month waiting periods at some providers.
Can I switch between Healthy Paws and Pets Best? You can cancel and switch, but new pre-existing conditions (developed while insured with your old provider) may be excluded by the new provider. Switch as early as possible if dissatisfied.
*Disclosure: GetPetPros.com is reader-supported. When you buy through links on our site, we may earn an affiliate commission at no extra cost to you. We only recommend products we’ve independently evaluated.*