Healthy Paws vs Trupanion pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
Key differences
- › Trupanion uses a per-condition lifetime deductible; the other resets every year.
- › Dental: Healthy Paws — accidents only; Trupanion — injury & disease.
- › Trupanion can pay your vet directly at checkout.
| Healthy Paws | Trupanion | |
|---|---|---|
| Plan | Accident & Illness Plan | Trupanion Policy |
| Reimbursement | 70/80/90% | 90% |
| Annual limit (max) | Unlimited | Unlimited |
| Deductible | Annual | Per condition |
| Exam fees | Not covered | Not covered |
| Dental | Accidents only | Injury & disease |
| Alternative therapy | Included | Add-on |
| Pays vet directly | No | Yes |
| Accident wait | 15 days | 5 days |
| Illness wait | 15 days | 30 days |
| Orthopedic wait | 12 mo | None extra |
| Wellness option | No | No |
| Multi-pet discount | None | None |
| Cured pre-existing | Not covered | Not covered |
| Enrollment age | New policies up to age 13. | New policies up to age 14. |
| Availability | Sold in every state. | Sold in every state. |
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