Petfirst VS. healthypaws Comparison 2021

Petfirst vs Healthy Paws Comparison 2021

Health insurance for your precious canine and feline fur-babies protects their quality of life and health. We compare Petfirst and Healthy Paws pet insurance products.

Our Review Method

We assess coverage, costs, plans, and customer service to determine the winner. A total score out of 20 will reflect which provider offers the more robust plan/s.

Overall Winner

Petfirst

Healthy Paws

Coverage

4.5

5

Costs

3.5

4

Plans

5

4.5

Customer service

4

4.75

Overall Winner

17

18.25

Healthy Paws and Petfirst both provide complete services to cater to the medical needs of our beloved animal family members. Petfirst is a brilliant option for animal lovers who want coverage plans with lower premiums. Healthy Paws provides a complete service bundled into a straightforward program.

Petfirst

Pro's

  • Reimbursement is calculated on the vet's itemized bill.
  • Hip Dysplasia is included in the coverage.
  • Wide range of tailored packages offered.
  • Plans allow for age-specific conditions.
  • Up to 80% reimbursement.

Con's

  • No app for claims.
  • Limits apply to insurance plans.

Petfirst claims it has the shortest waiting periods for accidents and illnesses. We briefly outline the service below.

Coverage:

  • All policies with Petfirst have an 80% coverage factor with no upper age limit.
  • You can select between three plans, namely, Cost-Conscious, Most Popular, and Additional Coverage.
  • Interestingly, exam fees and Hip Dysplasia are covered and are above the industry-standard allowance.
  • You can also opt for exclusive routine care coverage. This policy provides for behavior training, regular vaccination requisites, and regular medical assessments.
  • Specific ligament damage and intervertebral disc disease are covered after 12 months.

Costs:

  • It has an 80% reimbursement structure when processing claims.
  • Plans start at $15.00 per month for dogs and $9.00 per month for cats.
  • All insurance plans have a $250.00 deductible.
  • Plans are divided into three categories: Cost-Conscious with a $2,000.00 yearly benefit; Most Popular with a $5,000.00 annual use; and Additional Coverage boasting an additional annual amount of $10,000.00.

Customer service:

  • PetFirst understands that accidents happen at the most inopportune moments. It operates from Monday to Sunday.
  • Customer service can be contacted via social media platforms, phone, email, or the website.
  • Submitting claims has a two-week processing time.

You may also like the following comparison: PetPlan VS HealthyPaws

 

Healthy Paws

Pro's

  • One hassle-free pet insurance policy.
  • There are no maximum annual or lifetime payout limits, and it offers 90% reimbursement rates.
  • It has a foundation that helps homeless pets.
  • You can use any US-licensed veterinarian.
  • You can submit claims electronically via the app or website.

Con's

  • Waiting periods can be up to 12 months for some procedures.
  • Only one plan offered.

Healthy Paws processes 99% of insurance claims within 48 hours of submission, making them a speedy option for pet emergencies.

Coverage:

  • Policies with Healthy Paws cover prescribed medication for your pet, excluding behavioral meds.
  • Pet allergies were also included as long as symptoms weren’t present at the time of enrollment.
  • Standard industry blood tests are included in its policies.
  • Coverage is a premium as reimbursement rates can be up to 90% of the vet's bill.
  • The straightforward policy option makes coverage an effortless task. However, payments are calculated by the age of your pet.
  • The app allows hassle-free scanning and uploading of documents directly to the insurer.

Costs:

  • Coverage starts at $15.00 for feline family members and $20.00 for your canine companion.
  • Determining factors are pet age and breed, type of pet, the area you reside in, and your elective deductible.
  • You can set deductibles to $100.00, $250.00, or $500.00.

Customer service:

  • 99% of claim submissions are processed within two days.

You may also like the following comparison: PetsBest VS HealthyPaws

Petfirst vs. Healthy Paws Comparison Chart

Service

Petfirst

Healthy Paws

Animals covered

Dogs and Cats

Dogs and Cats

Coverage type

Multiple plans 

Single plan

Costs

$9.00 - $15.00

$15.00 - $20.00

Waiting periods

Up to 12 months

Up to 12 months

Network size

Nationwide

Nationwide

Annual limits

$2,000.00 - $5,000.00

No cap on claim payouts

Deductibles

$250.00

$100.00, $250.00, or $500.00

Reimbursement amounts

Up to 80%

Up to 90%

Customer service

Contact offices for claims and policy enquiries.

Contact offices for claims and inquiries. Companion app supports claim submissions

Additional services

Hip Dysplasia and exam fees are covered.

Pet foundation, Companion app, Additional coverage 

Our Honest Opinion About Healthy Paws

Healthy Paws takes the hassle out of insuring your beloved animal family members. The plan offers unique benefits like their Foundation and other incentives to help homeless pets. Our pets are an extension of ourselves, and providing the proper health care can be unexpected and costly. Healthy Paws coverage gives you surety that your fur-kids will be cared for in their hour of need.

Still Not Sure Which One to Choose?

Choosing the right insurance provider is daunting. Am I getting the right amount of coverage? How do I submit claims? The bottom line is simple: pet insurance is essential and will provide quality of life for your animal. Take a look at our pet insurance comparisons page for more information.