Pet Assure vs Healthy Paws Comparison

As the most popular provider in the market, Healthy Paws stands out in many ways. It is among the most highly recommended companies by both customers and vets alike. But what of Pet Assure, however? It is not really an insurance company, after all, and is therefore excluded from most of the top insurance provider lists. This does not mean it provides unsatisfactory service, however, since instead of pet insurance it offers a discount plan. Even though Pet Assure functions much like traditional insurance, there are some crucial differences that set the two services apart.

The downside to the company’s service is that discounts can only be used at partner clinics, although it is fairly easy to invite a vet to join if customers do not wish to switch to a different one. The plan offers a limited discount rate of 25% compared to traditional insurance that typically reimburses between 70-100% of the fee. This difference is more than made up for, however, considering the amount of exclusions that pet insurance usually does not cover, as well as the chance of a claim’s denial.

On the positive side, Healthy Paws is an excellent solution for young pets, especially since there are no payout caps whatsoever, not even a lifetime limit. Like with most pet insurance providers, only cats and dogs are eligible for enrollment; for any other animal, Pet Assure is among the few choices that owners have to ease the financial burden of veterinary bills.

Both Pet Assure and Healthy Paws are great choices but it’s your circumstances that will decide which company’s services are a better match for any given pet. For owners that prefer a less risky approach as well as for pet parents that keep more exotic animals, Pet Assure is definitely the better solution. There are no exclusions or waiting periods with this service and the discounts are applied to veterinary bills immediately without the hassle of filing claims.

On the other hand, Healthy Paws offers a much higher payout so long as the pet’s condition is included in the coverage. It is the riskier option though, since monthly premiums are much more expensive than Pet Assure’s and reimbursement is not necessarily guaranteed, even if the enrolled pet gets ill enough for medical expenses to exceed the annual deductible and the cost of the insurance combined.