Compare Healthy Paws vs Trupanion Pet Insurance
When comparing Healthy Paws to Trupanion, pet parents should review Trupanion’s per condition deductible and their additional fees for alternative care.
|What to Consider||Healthy Paws||Trupanion|
|Customer Rating at ConsumersAdvocate.org||9.8||9.6|
|Deductible Type||Annual||Per Condition|
|Customizable reimbursement rate to fit your budget|
|Insurance Carrier Rating||A+||Not A.M. Best Rated|
Per-Condition Deductible Rather Than Annual
Trupanion has a per-condition deductible (you select the deductible amount when signing up: $0 to $1,000 per condition). This requires their customer to pay the full deductible with each new condition, which typically reduces claim reimbursement during the course of the policy year. Healthy Paws has an annual deductible for all covered conditions based on your pet's policy year to help maximize claim reimbursements.
Direct Payments to the Vet
In situations where you cannot pay your vet at the time of treatment, both Healthy Paws and Trupanion offer to directly pay a vet for treatment. Trupanion claims to be able pay vets directly in as little as 5 minutes through their Express Pay option. While this is a great option, keep in mind that this rapid reimbursement method is only available if your vet uses Trupanion's software and most vets do not.
With Trupanion, some rehabilitative and alternative therapies (acupuncture or hydrotherapy) are available under their "Recovery and Complementary Care Rider," which is purchased at an additional cost. This means that even physical therapy is not covered unless you’ve purchased the additional rider. In comparison, Healthy Paws includes rehabilitative and alternative care therapies at no extra cost under their one simple plan.
Healthy Paws has an easy-to-understand plan that covers new accidents and illnesses. Our customers think so too, by giving Healthy Paws the highest rating at Consumers Advocate, Canine Journal, and many more review sites.
This information is provided as a helpful pet insurance comparison guide between Healthy Paws and Trupanion. Plans change on occasion and we recommend that all pet parents complete their own research.