Pet insurance is essential for all responsible pet owners. It prepares you financially to deal with any unexpected (and expensive) accident or illness. This is why we regularly review the top pet insurance companies to find out who comes out on top.

This time, we’re putting two of our highly-rated insurers in the ring, Healthy Paws vs Petplan, to see which plan is a better value and the best fit for you and your pup.

Licensed Insurance Professional – Reviewed & Validated

Our licensed insurance professional, Michelle Schenker, has reviewed all content & its supporting research, including each company’s policy, customer feedback, underwriters, and more.

Visit Healthy Paws’ Website Visit Petplan’s Website

Dog under covers (caption: Policy Coverage Winner)Policy Coverage

The table below shows specifically what Healthy Paws and Petplan cover. Both companies cover x-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, hydrotherapy, chronic conditions, cancer, diagnostic treatment, alternative/holistic therapy, euthanasia, non-routine dental treatment, hereditary conditions, congenital conditions, and prescription medications.

  Healthy Paws Petplan
Overall Ranking in our Pet Insurance Reviews 2nd Not Ranked
Exam Fees Checkmark
Pre-Existing Conditions
Check-Ups, Vaccinations, Spay/Neuter, Teeth Cleaning
Hip Dysplasia Waiting Period 12 Months 6 Months
Illnesses Waiting Period 15 Days 15 Days
Accidents Waiting Period 15 Days 15 Days
Behavioral Therapies Checkmark
Enrollment Fee $25
30-Day Money Back Guarantee Checkmark Checkmark
Claim Limits Unlimited $5,000, $15,000, or Unlimited
BBB Rating A+ A+
Underwriter Westchester Fire Insurance Company/Chubb XL Specialty Insurance Company
A.M. Best Rating A++ A+
No Exam Required to Set Baseline for Pet’s Health

As you can see, Petplan covers behavioral therapies and exam fees and has no enrollment fee. It also has a shorter waiting period for hip dysplasia, which is why we think it has slightly better coverage than Healthy Paws.

Petplan logo 100

Policy Coverage Winner: Petplan

Customer Service & ReputationPerson holding phone next to dog: Customer Service Winner

Both Healthy Paws and Petplan have excellent customer service. Ultimately, it comes down to Petplan having a few more negative reviews from 2016 to 2017 due to a change in underwriters. This resulted in price increases for existing customers, and Petplan received an influx of negative feedback.

Since then, Petplan has bounced back, and customers have come to terms with their new premium prices, but we give Healthy Paws the nod here since it’s been more consistent in recent years with customer feedback.

Healthy Paws logoCustomer Service & Reputation Winner: Healthy Paws

Claim RepaymentDoctor's office papers and stethoscope (text in image: claim repayment winner)

Petplan averages 22 days for claim repayment but allows up to 30 days. Healthy Paws repays 99% of claims in two days. Healthy Paws is slightly better here with a max timeline of 10 days, which is why it wins this category.

Healthy Paws logoClaim Repayment Winner: Healthy Paws

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)The major differences between these two companies in your ability to customize your plan comes down to age restrictions. While Healthy Paws has unlimited claims for all plans, they do have some restrictions on reimbursement and annual deductible amounts, depending on your pet’s age at enrollment.

  • Dogs and cats 5 years and under:
    • 90%, 80%, and 70% reimbursement
    • $100, $250, and $500 deductible
  • Dogs and cats 6 and 7 years old:
    • 80%, 70%, or 60% reimbursement
    • $250, $500, or $750 deductible
  • Dogs 8 years and older: 
    • 50% or 60% reimbursement
    • $750 or $1,000 deductible

Healthy Paws only enrolls pets from 8 weeks to 14 years old. Petplan has no age restrictions and offers a lot of customizable options. You can choose your annual maximum from $5,000, $15,000, or unlimited. Petplan also offers reimbursement rates of 70%, 80%, or 90% and annual deductibles of $250, $300, and $500.

Petplan ultimately comes out on top because of greater flexibility to build your plan no matter your pet’s age.

Petplan logo 100

Plan Customization Winner: Petplan

Price Of Policy

Dog laying next to money (text in image: pricing winner)

We found it super helpful to look at some examples of specific dog quotes for pet insurance, but always keep in mind that every insurance quote is different based on your particular location, breed, age, and more. So, to make sure you understand the price differences for YOUR PET, be sure to run a quote from at least three companies to compare and contrast pricing and what each covers to make sure you’re getting the most out of your policy.

Characteristics considered for these quotes:

  • Yorkshire Terrier, female 4 months old
  • No microchip, multi-pet discount, or pre-existing conditions
  • Residency in Columbus, Ohio (43205)
  • Quote is from December 2020
  Deductible Reimbursement % Annual Maximum Price Per Month
Healthy Paws $250 80% Unlimited $26.15
Petplan $250 80% Unlimited $67.16
Healthy Paws $250 90% Unlimited $32.64
Petplan $250 90% Unlimited $81.42

On average, Healthy Paws is much less expensive than Petplan. Petplan tended to fall in the middle or toward the more expensive side when we ran additional pet insurance quotes, while Healthy Paws was consistently among the least costly or towards the middle.

Healthy Paws logo

Price Of Policy Winner: Healthy Paws


Healthy Paws


Our readers can save up to 10% & get a $25 Visa gift card when you enroll today with Petplan. Sign up online to receive this offer and get a quote for your pet. Alternatively, call 800-237-1123 if you prefer to speak to a person.

When Does Pet Insurance Matter?

Six million dogs and six million cats are diagnosed with cancer every year, according to estimates. See how Healthy Paws pet insurance helped Baxter get much-needed cutting-edge treatment for his cancer.

What’s The Verdict?

In the end, Healthy Paws is our winner, but Petplan puts up a great fight with excellent coverage and customer service. As always, we suggest you run quotes for your specific pet and location. Although Healthy Paws is our winner here, we think if you choose Petplan, you’ll be pleased with your experience as well.

Healthy Paws logoOverall Winner: Healthy Paws

There are other pet insurance companies out there beyond these two. Our experts have reviewed 23 pet health insurance companies (and counting) in our comprehensive pet insurance reviews.

If you prefer to see winners by category, we award best price, multiple pets, 100% reimbursement, unlimited claims, and “best for” categories including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats!

Do you have an experience with Healthy Paws or Petplan that you’d like to share?

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