Compare Healthy Paws vs. Trupanion Pet Insurance
What’s the difference between Healthy Paws Pet Insurance and Trupanion Pet Insurance? See how our editors compare the two companies below.
Last Updated: July 21, 2025
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Key Facts
Rated "Best Choice Overall" by Mashable
- No Maximum Annual or Lifetime Payouts
- No Enrollment or Administrative Fees
- Most Claims are Processed in 2 Days
- Trusted by More than 625,000 Parents
Only Provider to Pay Vet Bills in Real-time at Checkout
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Instant checkout payment with VetDirect Pay – no out-of-pocket costs or reimbursement wait.
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Stable coverage – won’t cancel or reduce benefits, no matter the number or cost of claims.
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24/7/365 support – award-winning team focused on pet care.
OVERALL RATINGS
| Healthy Paws | Trupanion | |
|---|---|---|
| Coverage | 4.5/5 | 5.0/5 |
| Cost | 5.0/5 | 4.5/5 |
| Extras | 5.0/5 | 4.5/5 |
Healthy Paws
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Final Verdict
Healthy Paws Pet Insurance and Trupanion Pet Insurance are very close in quality and have the same overall rating. That said, Healthy Paws scores better than Trupanion across: Cost, Extras, Reviews, and Enrollment. Whereas, Trupanion scores better on Coverage, and Benefit Limits. Both companies score similarly on Deductibles, and Reimbursement.
Customer Comments & Reviews
Healthy Paws Pet Insurance review
Healthy Paws is the reason I can make medical decisions based on my love for my dog—not my bank account.
Kali has had multiple health issues, including cancer, and Healthy Paws has come through every single time. Submitting a claim is ridiculously easy—just snap a pic of the vet invoice and SOAP notes in the app, and you're done. I’ve always received reimbursement quickly (sometimes even the next day!), and they even reached out after Kali’s surgery to check on her. Who does that?
Yes, the premiums go up each year, but after researching nearly every pet insurance company out there, I’ve found their rates to be very competitive. What makes them stand out even more is how user-friendly their app and website are. I can change my reimbursement rate (I chose 80%), adjust my deductible, or switch between mailed checks and direct deposit—all with just a few clicks.
Healthy Paws doesn’t cover basic visits or routine dental cleanings, but they cover what actually matters: medications, diagnostic tests, emergencies, surgeries—even dental emergencies. This month alone, I was reimbursed for 80% of a $5,000 procedure. I can’t express how thankful I am.
If you're on the fence about pet insurance, let me save you the trouble: choose Healthy Paws. You won’t regret it.
Healthy Paws Pet Insurance review
"I've been using Healthy Paws Pet Insurance for 9 years, and their service has been nothing short of excellent. The claims process is straightforward and quick, and their customer support team is always helpful and kind. Knowing that my pet is covered gives me peace of mind. Highly recommend!"
Trupanion Pet Insurance review
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Trupanion Pet Insurance review
Your company is a scammer. I chose 1 star for my review and I am trying to choose 1 star here too but it won’t let me.
Healthy Paws Pet Insurance review
Regarding the online quoting system
+ let me include multiple pets on same quote
- can't figure out how to pay an annual amount rather than monthly
- they add $25 to the first payment for account set up =deal breaker
Trupanion Pet Insurance review
Liston in their customer service department was awesome. He explained everything clearly and went way above the call of duty to help. I am so glad that I cam back to Trupanion, No gimmicks or hidden fees. Straight forward so you really do know what you are paying for and what is and is not covered. How good is that?
Thank you Liston!
Jerry
Healthy Paws Pet Insurance review
I've not actually had my pets covered under this insurer, but they are among the ones I obtained quotes from while shopping around. I have 2 cats; a 4 yr old male & a 12 yr old female. The female is actually in better health than the male, with his frequent UTIs, however because she is over 8 yrs old the best plan they will give me is a $500 deductible & 70% reimbursement, with various limitations. And at the same rate as the comprehensive plan for my male, which has a $100 deductible & reimburses at 90%.
Trupanion Pet Insurance review
My boy, "Mr. Pipes," has been through hell these last few years. He's had his gall bladder removed, several bouts of pancreatitis, a stroke, an inflamed liver, tumor biopsies and more. Our total vet bills have easily topped $20k. Trupanion has covered 90% (excepting exam fees) with absolutely NO hassle. They even directly deposit the funds into my checking account within 2 weeks of submitting the claims. I'm impressed beyond belief. It honestly seems too good to be true, but it is.