A Comparative Review of Pets Best and Healthy Paws Pet Insurance

Both Pets Best and Healthy Paws are well-known pet insurance providers in the United States, offering coverage for cats and dogs. Here's a comparative review of these two pet insurance companies, highlighting their key features, coverage options, pricing, and customer service:

Coverage Options:

Pets Best:

• Offers multiple plan options, including accident-only plans, accident and illness plans, and routine care add-ons.
• Coverage includes accidents, illnesses, cancer, emergency care, surgeries, hospitalization, and prescription medications.
• Offers optional coverage for routine care, such as vaccinations and dental cleanings.
• No maximum age limit for enrollment.

Healthy Paws:

• Offers comprehensive accident and illness coverage, including hereditary and congenital conditions, chronic conditions, surgeries, and prescription medications.
• Coverage also includes alternative therapies like acupuncture and physical therapy.
• No coverage for routine care, such as wellness exams or vaccinations.
• Enroll pets from 8 weeks to 14 years of age.

Reimbursement:

Pets Best:

• Offers reimbursement options of 70%, 80%, or 90%.
• Allows policyholders to choose their annual payout limit, ranging from $5,000 to unlimited.
• Claims are processed within a few business days.
• Directly reimburses veterinarians, if requested.

Healthy Paws:

• Provides a fixed 70%, 80%, or 90% reimbursement rate.
• Offers unlimited annual and lifetime payout limits.
• Claims can be filed via a mobile app, with a quick and straightforward reimbursement process.
• Reimburses policyholders rather than veterinarians.

Pricing:

Pets Best:

• Offers competitive pricing and a range of deductible options, including $50, $100, $200, and $500.
• Premiums vary based on factors like pet age, breed, location, and chosen coverage.
• Provides discounts for insuring multiple pets.

Healthy Paws:

• Generally has competitive pricing for its comprehensive coverage.
• Offers a variable annual deductible that ranges from $100 to $500.
• Premiums depend on factors such as pet age, breed, location, and selected deductible.

Customer Service:

Pets Best:

• Offers customer service via phone, email, and live chat.
• Has a mobile app for claims submission and policy management.
• Generally receives positive reviews for its customer service and responsiveness.

Healthy Paws:

• Provides customer support through phone and email.
• Offers a user-friendly mobile app for claims submission and account management.
• Known for excellent customer service and quick claims processing.

Summary:

Both Pets Best and Healthy Paws are reputable pet insurance providers. Your choice may depend on your specific needs and preferences. If you're looking for comprehensive coverage and don't need routine care coverage, Healthy Paws might be a top choice. Pets Best, on the other hand, offers flexibility in coverage options, including routine care, and has competitive pricing. Always compare policy details, obtain quotes, and consider your pet's specific needs when choosing the right pet insurance provider for you and your furry companion.