Pet insurance has become one of the most important investments pet owners can make. As medical costs continue to increase, it’s important to provide your pet with the best opportunity to lead a healthy, productive life without having to spend a fortune.
By choosing a world-class pet insurance policy, it’s possible to get past these financial hurdles.
Among the leading insurance companies right now, Pets Best and Healthy Paws continue to sit at the top. They are well-acclaimed among professionals and offer a wonderful set of features respectively.
Here’s a detailed comparison looking at what they do well and which one stands out.
Coverage Options
Let’s begin with the coverage options as this can set the foundation for which pet insurance company delivers value.
In general, both pet insurance companies offer a fascinating list of coverage options and ensure clients can customize their policies based on what’s required for their pets.
1. Healthy Paws
Healthy Paws is a well-established name as a pet insurance provider and offers a detailed list of coverage options [1].
Their policies cover:
- MRI
- Blood Tests
- Hip Dysplasia
- Ultrasounds
- X-Rays
- Surgical Procedures
- Hospitalization
- Emergency Care
- Rehab
- Accidents
- Illnesses
- Chronic Conditions
- Non-Routine Dental Treatment
- Congenital Conditions
- Hereditary Conditions
- And More
2. Pets Best
Pets Best is an established name in the pet insurance industry and has been around for a long time. This means it delivers a comprehensive list of coverage options for clients to choose from [2].
Their policies cover:
- MRI
- Blood Tests
- Hip Dysplasia
- Ultrasounds
- X-Rays
- Surgical Procedures
- Hospitalization
- Emergency Care
- Rehab
- Accidents
- Illnesses
- Chronic Conditions
- Non-Routine Dental Treatment
- Congenital Conditions
- Hereditary Conditions
- And More
It’s important to note the subtle differences between what’s covered by both pet insurance companies. With Healthy Paws, clients get the opportunity to receive complete coverage without having to deal with a claims limit.
However, Pets Best offers additional coverage for exam fees, which is not offered by Healthy Paws.
In the end, Healthy Paws has a fascinating list of options but doesn’t offer coverage for exam fees.
This puts Pets Best slightly ahead when it comes to coverage options for clients to choose from. For the most part, both pet insurance companies match each other toe to toe when it comes to this part of the comparison with Pets Best pushing ahead by a fraction.
On the whole, both pet insurance companies do an excellent job and don’t leave clients wanting more with their policy’s coverage options.
Deductible and Monthly Costs
One of the main things pet owners look for in an insurance company is a reduced monthly premium. No one wants to pay high premiums and that has to be an important variable during the decision-making process.
As a result, it’s time to pit both companies against each other to determine which one is cheaper.
1. Healthy Paws
The annual deductible is set at $100 with Healthy Paws and can vary depending on the selected features. These details are discussed during the initial assessment when it’s time to put together a comprehensive insurance policy for your pet.
In general, the deductible is in line with modern standards and the set monthly premium is approximately $40.
It’s important to understand these numbers can fluctuate based on the plan, type of pet, and additional changes made to the policy. Healthy Paws tends to rate among the better options on the market when it comes to pricing.
2. Pets Best
Pets Best is also a well-regarded option with pricing and doesn’t tend to stand on the wrong end of things. It has an annual deductible of $100 and tends to be priced at a monthly premium of approximately $35.
This can vary just like Healthy Paws and may change based on the type of pet, selected features, and additional changes made to the policy.
One of the key details to keep in mind is the one-time fee required by Healthy Paws ($25). On the other hand, Pets Best requires its clients to pay $2 per payment as a transaction fee.
The recurring fee can be troublesome for those wanting to keep their costs down.
In terms of which one is cheaper, this is relatively close and comes down to which pet insurance company offers the best features. For pricing, clients aren’t going to be in trouble with either company.
Both offer a wonderful selection of features and make sure the pricing is ahead of most competitors on the open market.
Claims Process
Even the best pet insurance policy isn’t valuable without a resolute claims process. Both of these insurance companies promise the world when it comes to their claims process but do they match up to modern standards?
1. Healthy Paws
There are two ways of filing a claim with Healthy Paws.
Pet owners are recommended to file their claim online using the online account or Healthy Paws Mobile App. Both options are wonderfully designed and user-friendly making the claims process as easy as it should be. To move forward with the claims process, simply submit the claim by following the online steps and have someone quickly push the claim forward.
Otherwise, clients can easily download the claims form and submit it through email.
Please note, for a claim to go through, it has to include an itemized invoice from a certified vet.
2. Pets Best
Pets Best offers a diverse list of options for submitting claims.
Clients can easily head online and submit a claims form through their online account and/or submit it by email. A claims form can be downloaded online on their official website. Once the claims form is filled out, clients are welcome to submit it via email or standard mail.
Pets Best also requires an itemized invoice from a certified vet during the claims process. These details are mentioned in the policy and have to be followed for the claim to go through as intended.
When comparing both options, this is where Healthy Paws starts to jump in front as a world-class pet insurance provider.
The reason Healthy Paws does well has to do with the user-friendly mobile app. This provides a wonderful way for clients to sign on, look at their account, and submit a claim without having to leave their smartphone.
The simplicity behind the mobile app is something that’s a major plus point for Healthy Paws as a pet insurance company.
While Pets Best does a good job with its mobile account, it’s not the same as the Healthy Paws mobile app.
Customer Ratings
1. Pets Best
This is a well-regarded pet insurance company among customers and does have a large network of clients.
It tends to do very well when it comes to policy coverage due to the number of options. Clients can take their time to pick through different features and get more value for their money.
The company is also known for delivering exceptional value from a cost perspective without cutting corners. This goes a long way for those on a tighter budget wanting to choose a high-quality pet insurance provider.
2. Healthy Paws
Healthy Paws is the number one rated pet insurance company for a reason among customers (see how we rate it here). It does well on almost all fronts when it is time to win the hearts of its customers.
This includes delivering the finest customer service on the market right now through its mobile app. Clients can quickly sign into their account using a smartphone without having to deal with unnecessary hurdles. This adds to the company’s reputation as a modern-age provider.
Along with elite customer service, the company is also appreciated for its quick claims process and cost-efficiency.
Customers don’t have to settle for less with their policy and do get access to a representative as soon as they need to. This attention to detail and commitment to customer service is something Healthy Paws does better than everyone else according to customers.
When it comes to official ratings, Healthy Paws stands out as a slightly better company for customers. The company has a better track record among customers and tends to do well with larger policies.
Comparison Summary
In the end, it’s time to look at which one stands out the most between these two juggernauts.
Healthy Paws tends to do well across the board and is the standout winner against Pets Best. While Pets Best is an elite pet insurance company and offers several plus points, it can’t compete with Healthy Paws’ user-friendly mobile app, quick claims process, and exceptional customer service standards.
Healthy Paws does a lot of things right even if it doesn’t offer as many coverage options as Pets Best.
Even when Healthy Paws doesn’t offer coverage for exam fees, it doesn’t deliver excellent value with its affordable rates and top of the line customer ratings.
If the goal is to go with the best pet insurance company then Healthy Paws is the right fit.
Resources
- Healthy Paws Coverage Options. Retrieved at https://www.healthypawspetinsurance.com/pet-insurance-coverage-and-exclusions
- Pets Best Coverage Options. Retrieved at https://www.petsbest.com/coverage
