Head-to-Head Comparison
Healthy Paws vs. Pets Best
Unlimited coverage leader vs. vet-founded value leader
Our Verdict
Pets Best edges ahead for most pet owners with stronger overall value. Healthy Paws may be the better choice for owners who prioritize its specific strengths.
Which One Is Right For You?
Real-world scenarios where Healthy Paws or Pets Best comes out ahead, based on the categories where each wins.
If…
You're on a tight budget with a young, healthy pet and want the lowest possible monthly premium
Choose
Pets Best— base premiums run noticeably lower for healthy young pets at comparable coverage tiers
If…
You just adopted a new puppy or kitten and want accident coverage to start as fast as possible
Choose
Pets Best— its short accident waiting period gets you covered before the first chaotic weeks are over
If…
You want a financially rock-solid underwriter that will reliably pay claims for the next 15+ years
Choose
Healthy Paws— backed by a higher-rated insurer with stronger long-term claim-paying capacity
If…
You want one policy that covers routine care like annual exams, vaccinations, and dental cleanings
Choose
Pets Best— its wellness coverage handles the predictable annual routine bills, not just emergencies
Healthy Paws
4.5/5
Unlimited coverage with no payout caps
Pets Best
4/5
Best value with low deductible options
Category-by-Category Breakdown
Coverage Limits
Healthy Paws
Unlimited
Pets Best
$5K–Unlimited
Both carriers offer comparable coverage limit options.
Monthly Premiums
Healthy Paws
$25–$90
Pets Best
$18–$65
Pets Best offers lower base premiums for most demographics.
Accident Waiting Period
Healthy Paws
15 days
Pets Best
3 days
Pets Best's 3 days accident waiting period is shorter.
Claims Speed
Healthy Paws
2–10 days
Pets Best
5–10 days
Both carriers have comparable claims processing times.
Financial Stability
Healthy Paws
Chubb (A+ (Superior))
Pets Best
American Pet Insurance Co. (A- (Excellent))
Healthy Paws's A+ (Superior) rating provides superior financial backing.
Wellness Coverage
Healthy Paws
Not available
Pets Best
Available
Pets Best offers wellness coverage; Healthy Paws does not.
Deductible Options
Healthy Paws
$100, $250, $500, $750
Pets Best
$50–$500
Both carriers offer deductible options to fit different budgets.
Expert Take
Mike
Licensed Insurance Professional (AAI, PRC, SBCS, CCIC)
Pets Best was founded by the veterinarian who created the first US pet insurance company, which gives them unique insight into veterinary pricing. Their premiums are typically 20–30% lower than Healthy Paws, making them an attractive value option. However, Pets Best caps annual coverage at $5,000–unlimited depending on the plan, while Healthy Paws is always unlimited.
Pets Best offers optional wellness coverage (BestWellness plans) that covers routine care — something Healthy Paws does not. Their accident-only plans are also among the cheapest in the market for basic coverage. The trade-off is clear: Pets Best offers more plan variety at lower prices, but Healthy Paws offers superior catastrophic protection.
If you are insuring a young, healthy pet and want to keep premiums low with wellness coverage, Pets Best is a smart choice. If unlimited coverage and top-tier underwriting matter most, Healthy Paws wins.
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