The Healthy Paws deductible is annual. Trupanion has a deductible per condition.
Healthy Paws offers unlimited virtual vet visits through Airvet. Trupanion and Lemonade don't include a virtual vet care service in their policies.
Look closely at what’s included (and excluded). Some plans leave out congenital and hereditary conditions since they’re often the most expensive to treat.
Annual deductibles mean you only pay one per year, not one for every incident. That can mean more back in your pocket.
Not all companies reimburse on the actual vet bill. Watch for “benefit schedules” or “usual and customary” language. These limit how much you get back. Healthy Paws can also reimburse your vet directly using the Direct Pay option.
Does the plan cap payouts per incident, or have a lifetime payout cap? The Healthy Paws plan has no per-incident or lifetime payout limits. Healthy Paws offers options for annual payout limits–from $5,000 per year to unlimited.
Service matters, especially when you need help fast. What are other pet parents saying about their claims experience? Healthy Paws processes most claims in just 2 days.
Coverage is subject to the language of the policies as actually issued. The comparison contained herein was prepared solely by Healthy Paws based upon good faith, objective reading of the language of the basic policy forms and/or endorsements and highlights selected coverages of the policies referenced as of May, 2026 and is subject to change without notice. To receive the latest information about other providers' available plans, please visit their websites.
* Healthy Paws includes coverage for hip dysplasia when you enroll your pet before the age of six. Please review your state-specific information regarding pet enrollment age and waiting periods for more details.