Both take a simple approach to pet insurance, offering customizable accident and illness policies that can reimburse vets directly. Healthy Paws is both a pet insurance provider and a nonprofit.<\/p>\n\n\n\n
In this article, we will compare Trupanion and Healthy Paws on the basis of coverages, cost, claims, and all other factors you should consider before buying a pet insurance policy.<\/p>\n\n\n\n
We hope that by the end of this comparison, you will be certain which insurer you will use for your pet.<\/p>\n\n\n\n
If you are an intending pet insurance agent<\/a>, you might find this helpful as well.<\/p>\n\n\n\n See this related content: Farmers Auto And Home Insurance Review 2023: Everything You Need To Know<\/a><\/p>\n\n\n\n While looking over policy options from Trupanion and Healthy Paws, you may notice that both insurers only offer plans with unlimited annual benefits. It\u2019s fairly common for providers to give pet parents a range of annual limits to choose from as a way to customize their coverage.<\/p>\n\n\n\n This is important to keep in mind since selecting a lower limit can be a way to save on monthly premiums. Without this option, pet owners on a budget may not find affordable coverage from either provider.<\/p>\n\n\n\n Trupanion sells all of its policies with a 90% reimbursement level, meaning that your out-of-pocket cost is just 10%. The only factor you can control is the annual deductible, which, to the company\u2019s credit, is more customizable than with any competitor.<\/p>\n\n\n\n Using Trupanion\u2019s online quote tool, you can set your own deductible in $5 increments between $0 and $1,000. The lower the deductible, the more you\u2019ll pay in premiums.<\/p>\n\n\n\n Healthy Paws, on the other hand, lets pet parents customize both their annual deductible and reimbursement level. Three options are available for each. Choose from deductibles of $100, $250, or $500 and reimbursement amounts of 70%, 80%, or 90%.<\/p>\n\n\n\n In terms of the specific veterinary services listed on their accident and illness policies, Trupanion and Healthy Paws are fairly alike.<\/p>\n\n\n\n Each base policy covers the diagnosis and treatment of injuries and illnesses, although neither includes exam fees, which are left for the pet owner to pay out of pocket.<\/p>\n\n\n\n See also: Erie Insurance Reviews 2023<\/a><\/p>\n\n\n\n While Trupanion includes dental illness coverage in its standard policy, Healthy Paws eliminates this in favor of alternative treatments, which are only covered by Trupanion if you purchase a policy rider.<\/p>\n\n\n\n Unlike Healthy Paws, Trupanion sells two policy riders that can be valuable if you want more control over your coverage. The first, called the Recovery and Complementary Care rider, pays for behavioral and alternative treatments like physical therapy and acupuncture.<\/p>\n\n\n\n Trupanion\u2019s Pet Owner Assistance rider is more unique, covering a wide range of costs not related to veterinary care. For example, if your pet is lost or stolen, Trupanion will pay up to $500 in advertising and reward costs to help recover them. You\u2019ll also receive property damage liability insurance up to $25,000 and trip cancellation coverage up to $1,000. I<\/p>\n\n\n\n If your pet passes away due to an accident, the rider will pay up to $100 for their cremation or burial.<\/p>\n\n\n\n Below is a side-by-side comparison of Trupanion’s and Healthy Paws\u2019 coverage details.<\/p>\n\n\n\n![\"\"](\"https:\/\/www.hepper.com\/wp-content\/uploads\/2021\/04\/HEP-Trupanion-vs-HealthyPaws-scaled.jpg\")
<\/figure>\n\n\n\nTable of contents<\/h2>
Trupanion VS Healthy Paws; At A Glance<\/strong><\/h2>\n\n\n\n
The Trupanion Pros<\/strong><\/span><\/h3>\n\n\n\n
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Trupanion Cons<\/strong><\/span><\/h3>\n\n\n\n
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Healthy Paws Pros<\/strong><\/span><\/h3>\n\n\n\n
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Healthy Paws Cons<\/strong><\/span><\/h3>\n\n\n\n
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Trupanion VS Healthy Paws: Coverages<\/strong><\/h2>\n\n\n\n
Similarities<\/h3>\n\n\n\n
Differences <\/h3>\n\n\n\n