Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,161

Healthy Paws Pet Insurance offers one simple plan that covers accidents and illnesses and includes unlimited annual and lifetime payouts. They support hundreds of pet rescues and animal shelters through their Every Quote Gives Hope™ medical grant program. Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Stephen Gagliano

I've used healthypaws for my dog

I've used healthypaws for my dog, Zeke, and for my last Dog, Donovan. Their rates are competitive, but that's not the only important thing. Sadly, I have had several claims with my dogs. healthypaws has the easiest and most efficient processing and user-friendly platform. I only wish the claims process was as easy when I have my own health issues.
1

out of 5

POSTED: | BY: Annette

Shameful practices

Healthy paws has just increased my monthly premium from $250 to over $600 per month. This is outrageous and they appear to be blaming it on our state (California, the usual whipping boy for everyone). I have been a customer for many years with barely any claims. One of my dogs is older now and for almost the first time, I have made sizable claims so I’m pretty sure this is the real reason. But…..this is precisely why you pay into insurance from when they were puppies(in our case 8 weeks old) ….. so that all the years you pay premiums and claim nothing are at least partially offset by the claims you have to make when they age. I don’t know why they couldn’t make up the shortfall (if this story about what our state requires is true) on the back of new customers instead of shafting existing customers. Now I have to look for a new insurer for a dog with preexisting conditions. Shameful!
1

out of 5

POSTED: | BY: Sinan Y

Greedy and Exploitative – Avoid at All Costs!

Healthy Paws used to be a great company, but greed has completely taken over. I’ve insured my two dogs with them for nearly a decade, since they were puppies. At first, the price increases were small—$35 per pet per month, then $45, then $65, then $90. Every year, the cost crept up, but I stayed loyal, thinking it was just inflation. Then, after they were acquired by a larger company, they went full-on exploitative. My monthly premium was already an outrageous $243 for both dogs. But now? They expect me to pay $530 per month—more than double! No changes to coverage, no justification beyond their corporate greed. It’s clear they’re preying on loyal customers with older pets, knowing we have fewer options because of pre-existing conditions. It’s disgusting and unethical. They’re banking on pet owners feeling trapped. Well, I refuse to reward this behavior. I’ll find another insurer—even if it costs more—just to ensure my money doesn’t go to a company that puts profits over pets. Do yourself a favor: stay far away from Healthy Paws. They don’t care about your pet—only your wallet.
5

out of 5

POSTED: | BY: Annie Henton

LIFE CHANGER!

Wow… writing this review is a total no-brainer! We have a tendency to adopt the most wonderful but medically “high-maintenance” pups, and honestly, we shudder to think what life would’ve been like without Healthy Paws these past nine years. Heartbreak? Definitely. Tears? Countless. Bankruptcy? Highly likely. But let’s not dwell on that horror story—because here’s the good part: Healthy Paws is, hands down, the most exceptional company we’ve ever had the pleasure of working with. We truly can’t imagine navigating life with our dogs without them in our corner. There’s a kind of surreal magic in being handed a vet estimate that rivals the cost of a (decent) used car… and not even flinching. We get to say, “Do whatever it takes to help our babies,” without financial panic setting in. That peace of mind? Priceless. From covering the costs of removing Stringer’s recurring mast cell tumors (we're talking 2–3 times a year for seven years) to helping us get Ella through major knee surgeries at just two years old—surgeries that gave her a pain-free, active life and prevented future hip dysplasia—Healthy Paws has shown up for us every single time... and FAST! The app is SO easy to upload invoices and they direct deposit the reimbursement in less than 3-5 business days! Their support has made an enormous difference in our lives, and we are endlessly grateful. We tell literally every pet parent we know: Get Healthy Paws. Your future self and your fur babies will thank you!
5

out of 5

VETERINARIAN: San Diego Bay Animal Hospital

POSTED: | BY: Annie Henton

Best decision that we have EVER made!

Wow… writing this review is a total no-brainer! We have a tendency to adopt the most wonderful but medically “high-maintenance” pups, and honestly, we shudder to think what life would’ve been like without Healthy Paws these past nine years. Heartbreak? Definitely. Tears? Countless. Bankruptcy? Highly likely. But let’s not dwell on that horror story—because here’s the good part: Healthy Paws is, hands down, the most exceptional company we’ve ever had the pleasure of working with. We truly can’t imagine navigating life with our dogs without them in our corner. There’s a kind of surreal magic in being handed a vet estimate that rivals the cost of a (decent) used car… and not even flinching. We get to say, “Do whatever it takes to help our babies,” without financial panic setting in. That peace of mind? Priceless. From covering the costs of removing Stringer’s recurring mast cell tumors (we're talking 2–3 times a year for seven years) to helping us get Ella through major knee surgeries at just two years old—surgeries that gave her a pain-free, active life and prevented future hip dysplasia—Healthy Paws has shown up for us every single time. Their support has made an enormous difference in our lives, and we are endlessly grateful. We tell literally every pet parent we know: Get Healthy Paws. Your future self and your fur babies will thank you.

Monthly Cost

$15 – $80, depending on breed, zip code, age of pet and choice of deductible and co-pay.

Coverage

One plan covers accidents, illnesses, cancer, emergency care, genetic conditions, alternative care and more. You can choose a co-pay of 10%, 20%, 30% or 40%. The pay-out amount is based on your actual vet bill.

Payout Limits

No per incident, annual or lifetime pay-out limit.

Deductible

You can choose an annual deductible of $250, $500 or $750* *Choice depends on age of the pet

Age Limits

Pets must be at least 8 weeks old and under 14 years old at time of enrollment. Once enrolled, pets can stay insured regardless of age.

Waiting Period

Coverage begins 15 days after your policy starts. There is a 12-month waiting period for hip dysplasia claims.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered, however hip dysplasia is only covered in pets who enroll before they are 6 years old.
Healthy Paws Pet Insurance was rated the best pet insurance company by customers in 2015, 2016 and 2017 at petinsurancereview.com, Consumersadvocate.org, PetInsuranceQuotes.com and other leading review sites. Healthy Paws has one simple plan that covers accidents and illnesses with no per incident, annual or lifetime payout limits. Their goal is to offer the best coverage possible while still keeping plans affordable. With each pet insurance quote submitted, Healthy Paws makes a donation to one of hundreds of pet rescues and animal shelters through its Every Quote Gives Hope™ medical grant program.

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