Comparing Pets Best and Healthy Paws Pet Insurance

Pets Best's accident-only policy starts at $6 per month for cats and $9 for dogs, with annual limits of $5,000, $10,000, or unlimited. In contrast, Healthy Paws offers unlimited coverage but does not allow enrollment for pets aged 14 or older, resulting in higher premiums for older animals.

A comparison of key features shows that Pets Best offers reimbursement rates ranging from 70% to 90%, while Healthy Paws offers between 50% to 90%. Pets Best has deductibles from $50 to $1,000 and payout limits from $5,000 to unlimited, while Healthy Paws has deductibles set between $250 and $1,000 with unlimited payout.

Both companies exclude coverage for pre-existing conditions. However, Pets Best will cover curable pre-existing conditions if treatment is not needed after healing, whereas Healthy Paws does not. Neither plan includes wellness or preventative care.

The average monthly cost for Pets Best is about $57 for dogs and $28 for cats, while Healthy Paws averages $53 for dogs and $41 for cats. These costs vary based on factors such as age and health of the pet.

When examining the claims process, Pets Best allows claims to be filed via its mobile app, online, or by various other methods and offers direct vet payments. Claims are typically processed within several days. Healthy Paws processes most claims quickly, often within two days, but requires upfront payment to the vet.

Customer reviews indicate that Pets Best has a mixed reputation, with a strong rating on Trustpilot (4 out of 5) but lower ratings on Yelp and the Better Business Bureau. Customers appreciate its customizable plans but note potential delays in claims processing. Healthy Paws generally receives positive feedback for its quick claims process but faces criticism for premium increases as pets age.

Ultimately, whether Pets Best or Healthy Paws is the better option depends on individual pet needs and budget preferences.