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Compare Healthy Paws and VPI Pet Insurance


The main difference between these two insurers is that VPI uses a benefit schedule to determine how much money you will get back, while Healthy Paws pays a percentage of your actual vet bill.

(Explainer: a benefit schedule is a list of pre-determined limits. For example, the benefit schedule may set the maximum you get back for an ACL tear at $800.)
Quote and Compare

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Money
Reimbursement
Amount

(after deductible is met)
70 - 90% of vet bill Determined by a benefit schedule
Payout Caps No per incident, annual or lifetime limits Annual limit of $7,000 - $14,000
Deductible $50 - $500 per incident $100 - $1000 per year
Monthly Cost $15 - $90 $12 - $60
Limits
Age Limits
(limits are before signing up.
Once enrolled, pets can stay insured regardless of age.)
More than 8 weeks, less than 14 years. More than 6 weeks, less than 10 years
Waiting Period 15 days after date on policy (one year after for hip dysplasia) 14 days after date on policy (one year after for cruciate ligament injuries and hereditary conditions)
Not Covered Pre-existing conditions Pre-existing conditions and congenital conditions
Extras
Routine Care/
Wellness
No Yes, with purchase of wellness coverage for extra fee
Alternative/
Holistic
Yes No
Pet Meds Yes, if prescribed for illness or accident Yes, if prescribed for illness or accident
Dental Not for routine dental care. Dental accident/illness is covered. Routine dental coverage may be under an optional wellness package. Dental accident/illness is covered.


Compare VPI to other insurers:

  • Pet Plan
  • Trupanion
  • Embrace
  • Pets Best
  • ASPCA



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