Prudent Pet vs. HealthyPaws Pet Insurance: In-Depth Comparison [2022]

Comparing Pets Best and Trupanion Pet Insurance Plans

What’s The Difference Between HealthyPaws & Prudent Pet Pet Insurance Plans?

Thank you for visiting our guide to comparing Prudent Pet and HealthyPaws. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from HealthyPaws and Prudent Pet side by side, as well as other major pet insurers.

HealthyPaws & Prudent Pet: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of HealthyPaws and Prudent Pet, as well as many of the other top pet insurance brands.

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Free Side by Side Quote Comparison Between Prudent Pet and HealthyPaws

Fill out the form below to receive your no-obligation quote comparison between Prudent Pet and HealthyPaws.

Common Questions About HealthyPaws Vs. Prudent Pet

Coverage Amounts: HealthyPaws vs. Prudent Pet

HealthyPaws offers unlimited coverage with their plans, while Prudent Pet allows you to choose plans with unlimited coverage or a $10,000 cap. Of course, unlimited coverage provides the ultimate financial protection, but a plan with a coverage cap will save you money on your monthly premium.

Multi-Pet Discounts: HealthyPaws vs. Prudent Pet

Prudent Pet offers a multi-pet discount, so you can cover all the furry family members on one plan and only pay one monthly premium. HealthyPaws does not offer a multiple pet discount at this time. But the upside of a single pet plan means tailored coverage for each pet’s specific needs.

What are the Reimbursement Amounts for Prudent Pet vs. HealthyPaws?

Prudent Pets’ reimbursement options are 90%, 80%, or 70%. HealthyPaws offers 90%, 80%, 70%, 60%, or 50% as reimbursement options. And here’s something to remember, the higher your reimbursement, the higher your premium.

What is the Annual Deductible for Prudent Pet vs. HealthyPaws?

HealthyPaws’ deductible options are $100, $250, $500, $750, or $1,000. Prudent Pet offers deductible options of $100, $250, $500, or $1,000. Another thought to keep in mind when choosing coverage—the higher the deductible, the lower your premium will be.

Does HealthyPaws or Prudent Pet Offer a Wellness Plan for Preventative Care?

At this time, neither Prudent Pet nor HealthyPaws offers a wellness option that covers preventative care like annual exams, dental screenings, and vaccines. But even without the preventive care options, either company will help save you big when illness or injury strikes.

Who is Cheaper: HealthyPaws or Prudent Pet?

In our example quote, HealthyPaws offered more affordable pricing than Prudent Pet when comparing plans for a 1-year-old 30lb. mixed-breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Lemonade or Trupanion is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, HealthyPaws or Prudent Pet?

Overall, we give an edge to HealthyPaws for significantly more affordable pricing when considering plans with maximum annual coverage. In Prudent Pets’ favor, they offer a multi-pet discount, so they may save you money when insuring more than one pet. Both companies are very reputable and popular with iHeartDogs readers, with HealthyPaws receiving 4.4 out of 5 stars and Prudent Pet receiving 4.5 out of 5 stars.

Run a No Obligation Comparison Quote Between Prudent Pet and HealthyPaws

[44] HealthyPaws Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with HealthyPaws and other major pet insurance providers.

Overall HealthyPaws received a 4.4 out of 5 rating:

⭐⭐⭐⭐⭐ - Pro: Easy to submit claims, quick turnaround time on payments. Con: Price goes up each year - HealthyPaws review by Jennifer, Canton

⭐⭐⭐⭐⭐ - They have no max payout and claims are processed w/in a couple days! - HealthyPaws review by April, Powhatan

⭐⭐⭐⭐⭐ - I have never had a problem with a claim being paid promptly or as I thought it should be (and there have been a lot). My rate has really gone up…more than I would have expected but I have had (and continue to have due to allergies) many claims so it is still worthwhile. - HealthyPaws review by Marcie, Madison

⭐⭐⭐⭐⭐ - I Like they have always reimbursed me for treatments for both my dogs. No dislikes . - HealthyPaws review by Susan, Petaluma

⭐⭐⭐ - When one of our dogs died 2 winters ago I called Healthy Paws right away to cancel the insurance policy for him. I made it clear that we still had 2 other dogs who were to continue coverage. However, about a week later I found out that all 3 dogs had been cancelled. It took me numerous phone calls, emails, letters, inquiries before the 2 living dogs got reinstated. Luckily the dogs did not experience any health issues during that time. Healthy Paws said that they would not be covered til they were again under coverage. The company did not act overly concerned or sorry for the error. Continue to search for other options. - HealthyPaws review by Leatha P., Colorado Springs

⭐⭐⭐⭐ - they keep raising premiums, as your dog gets older, even when you do not file a claim. And they are suppose to raise them when vet cost go up. - HealthyPaws review by Tony, Philadelphia

⭐⭐⭐⭐⭐ - Always been easy to work with, file claims, and get reimbursed 😍 - HealthyPaws review by Linda, Lenoir City

⭐⭐ - They randomly seem to increase the premiums. I don’t like a lot of the policy’s like if you get referred to a specialist they won’t pay for the exam. I’d probably leave them but now I have a dog who’s been having issues and it’s harder to move. I won’t use them again with a new puppy for sure. - HealthyPaws review by Tory, Ithaca

⭐⭐⭐⭐⭐ - Premiums go up even though I’ve never used it - HealthyPaws review by Ann, Ormond Beach

⭐⭐⭐⭐⭐ - Easy to file claims and they respond quickly. I understand what is covered and what isn't. - HealthyPaws review by HELENE, Palos Hills

⭐⭐⭐⭐⭐ - Quick payment response - HealthyPaws review by Marilyn, Santa Barbara

⭐⭐⭐⭐⭐ - Able to pick the coverage I want. Payments are fairly fast. - HealthyPaws review by Joyce, Novato

⭐⭐⭐⭐ - Need to pay for yearly exams and dental cleanings. - HealthyPaws review by Kelly, Wrightsville

⭐⭐⭐ - I like the price. I don’t like the fact that I have to pay upfront and then get reimbursed. I want an insurance that will pay the veterinarian directly, like human health insurance. Why do I even have insurance if I have to pay the vet and if I don’t have enough to cover the cost, I will have to put my dog down. This doesn’t make sense. I should just put the money into an account and only use it for emergencies. - HealthyPaws review by Colette, Deerfield Beach

⭐⭐⭐⭐⭐ - No arguments over what vet charges - HealthyPaws review by Case, Vacaville

⭐⭐⭐⭐ - Easy to upload claims through the app and they are quick to provide reimbursement. - HealthyPaws review by Karen, West Roxbury

⭐⭐⭐⭐ - Nothing to dislike yet. - HealthyPaws review by Amy, Sonoma

⭐⭐⭐⭐⭐ - Pay you back quick - HealthyPaws review by Bill, Philadelphia

⭐⭐⭐⭐⭐ - Very quick with reimbursements. - HealthyPaws review by , Salem

⭐⭐⭐⭐ - I love how easy it Is to use and everyone is so friendly. I’m honestly annoyed at the fact my rates have increased a cumulative of over $50 in the past two years… even my car insurance hasn’t gone up by that much. However, the rate I pay is lower that what other companies would offer if I were to sign with them now. - HealthyPaws review by Catherine, Los Angeles

⭐⭐⭐⭐⭐ - Easy to file claims - HealthyPaws review by Debbie, Jefferson

⭐⭐⭐⭐ - HealthyPaws review by Jo, Hingham - The app was up dated and now doesn’t work properly taking a picture of the invoice - HealthyPaws review by Andrea, Olympia

⭐⭐⭐⭐⭐ - Fast turnover for claims. Had the last one close in one day. Great customer service reps. - HealthyPaws review by Krystelle, Antioch

⭐⭐⭐⭐ - It was the highest rated on several surveys and they did send me a check pretty quickly but they are expensive and so I only have my older, bigger dog covered since the fee has gone up a lot. - HealthyPaws review by J.T., Morgan Hill

⭐⭐⭐⭐⭐ - Monthly premium is not the cheapest but they have been a fantastic company! They process claims quickly and have not denied any claim (no preexisting conditions and I only send claims that are allowed per the contract) - HealthyPaws review by Janet, Unknown

⭐⭐⭐ - Coverage is good but monthly cost has almost tripled in the 6 years we’ve had it with no major claims. What started as a reasonable rate is now ridiculous for a 6 year old dog and in comparing other companies with the same coverage they are all about the same overpriced rate. - HealthyPaws review by , Brooklyn

⭐⭐⭐⭐⭐ - There is no cap and reimbursement is super fast. - HealthyPaws review by Cindy, Milwaukee

⭐⭐⭐⭐⭐ - Healthy Paws has excellent customer service. My claims have all been settled and funds received within a week. I have 2 dogs, both are insured, both have had several claims. My 10-year-old has copper storage disease. Healthy Paws has paid every claim for her disease quickly and with no extra paperwork other than an itemized paid invoice. I highly recommend them. - HealthyPaws review by Lace, Palm Bay

⭐⭐⭐⭐ - They have paid quickly and without issue. Claims are easy to file.
I recommend purchasing pet insurance as early as possible because any issues your pet is diagnosed with prior to having them insured will be determined to be a pre existing condition and not covered by the insurance company. - HealthyPaws review by Heike, Portland"

⭐⭐⭐⭐⭐ - I love the 90% return. I dislike after an update on the app, I can no longer use it to take a clear picture of an invoice for submission. - HealthyPaws review by Andrea, Olympia

[5] Prudent Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Prudent Pet and other major pet insurance providers.

Overall Prudent Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - This was my first time purchasing pet insurance and Pati was a big help! She explained everything in an easy to understand way and was there to answer all my questions. Would highly recommend! - Kyla

⭐⭐⭐⭐⭐ - Great Customer Service- While searching for pet insurance, I looked into and called multiple services. Stephanie Toppel was really great at answering all of my questions by responding right away and giving me a straight and honest answer. Pet insurance has a lot of ins and outs to it and I now feel very comfortable that I choose the best company for me. - Kari

⭐⭐⭐⭐⭐ - We just signed up with Prudent Pet and are already extremely impressed with them. I got quotes from 6 different pet insurance companies and I love the fact that Prudent is one of the very few that offer preventative care as well. We have a big family so every penny counts- including annual exams, shots, etc because it all adds up! I got a quote on Sunday afternoon from their website and first thing Monday morning a customer service representative called me to follow up on my quote. None of the other companies did that at all whatsoever. She also spent 45 minutes on the phone with me explaining every detail of the coverage with me and letting me know my options. She answered every question I could think of and was so patient and friendly about it despite me taking up so much of her time with my endless inquiries. She made me feel right at ease. I’m really excited for my dog’s new coverage we can’t wait to see how it all works out. I feel relieved that now I don’t have to worry about some expensive bill coming up that we can’t afford. This makes it much easier on our family and gives us a peace of mind that we can give our dog quality care at any time. - Alexandra

⭐⭐⭐⭐ - We just purchased our policy so I can’t review on the coverage or claims process, but customer service was exceptional. Patricia Ostaszewski was great and assisted us with all of our questions and concerns and set up the policy for us. I do wish the policy listed more details regarding coverage. - Ariel

⭐⭐⭐⭐ - I just bought this plan. So far no problems. The only thing was after I applied the info said I would get an email for me to set up my password, I didn’t get one so I called and they told me what to do. Everything ok now. - Patricia

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