Healthy Paws vs Pets Best pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
Key differences
- › Exam fees: Healthy Paws — not covered; Pets Best — covered.
- › Dental: Healthy Paws — accidents only; Pets Best — injury & disease.
- › Pets Best can cover a cured pre-existing condition; the other can't.
| Healthy Paws | Pets Best | |
|---|---|---|
| Plan | Accident & Illness Plan | BestBenefit Accident & Illness |
| Reimbursement | 70/80/90% | 50/60/70/80/90% |
| Annual limit (max) | Unlimited | Unlimited |
| Deductible | Annual | Annual |
| Exam fees | Not covered | Covered |
| Dental | Accidents only | Injury & disease |
| Alternative therapy | Included | Add-on |
| Pays vet directly | No | No |
| Accident wait | 15 days | 3 days |
| Illness wait | 15 days | 14 days |
| Orthopedic wait | 12 mo | 6 mo |
| Wellness option | No | Yes |
| Multi-pet discount | None | 5% (not offered in every state) |
| Cured pre-existing | Not covered | Can be covered |
| Enrollment age | New policies up to age 13. | No maximum enrollment age. |
| Availability | Sold in every state. | Sold in every state. |
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