Paw Protect vs Healthy Paws

Paw Protect vs Healthy Paws: Verdict

Paw Protect offers all customers an optional $2,000 interest-free line of credit to pay covered vet bills* up-front through a virtual Paytient Visa card.

Paw Protect’s coverage includes a 10% multi-pet discount and a 24/7 pet telehealth line, which Healthy Paws doesn’t. 

Here’s more info on how they compare:

Pet insurance without paying vet bills* up-front
Annual coverage options$5000, $10,000, UnlimitedUnlimited
Deductible options$100, $250, $500$100, $250, $500, $750, $1,000
Reimbursement options70%, 80%, 90%50%, 60%, 70%, 80%, 90%
Coverage start14 days15 days
Maximum age at sign-up14 years accident and illness,
15+ accident only
13 years
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs Healthy Paws: Claims process

Paw Protect offers an optional $2,000 interest-free line of credit from Paytient to pay covered vet bills* up-front, via a virtual Paytient Visa card on your phone.

If approved for Paytient, and if your bill is under $2,000 – and most are – you don’t have to pay a cent up front. You’ll need to pay anything over $2,000 up-front, but you’ll be reimbursed a few days later for any covered condition, less your deductible and copay. 

  • The claims process is simple, like regular insurance
  • Submit the claim paperwork via our app, online, by email or through the mail
  • Use your reimbursement to pay down your Paytient balance and pay off any remaining out-of-pocket costs over up to 12 months interest-free

With Healthy Paws, you pay up front out of your own pocket, photograph your vet bill, and submit it through a mobile app or online. In some situations, Healthy Paws might be able to pay your vet directly, although the paperwork required could cause a crucial delay to treatment.

Dalmatian with tennis ball in its mouth