Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,065

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 66
  • 258
  • 9,065
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.

out of 5

POSTED: | BY: Robert Ponzan

Claims are handled promptly and fairly.

Claims are handled promptly and fairly.

out of 5

POSTED: | BY: Sam S.

Stalled Claims Processing

I have been a customer since 2016. My first claim was filed in February 2023. It took 4 weeks for the company to tell me that they needed additional documents, which I provided the next day. It’s been another two weeks, and my claim is still awaiting review from a claims processor. I currently have six claims pending. The 2-10 day processing that they advertise is a false claim in my experience.

out of 5

POSTED: | BY: Steve P

Just what we needed

Years ago we lost a cat to cancer and because we didn't have pet insurance at the time, couldn't afford the treatment she needed. At that point, we vowed that for any future pet we would definitely get pet insurance. That was 5yrs ago and since then added two more cats to our family. The day we picked up our kittens we enrolled them with Healthy Paws. Like most, we reviewed many pet insurance companies and felt the coverage from Healthy Paws was the right fit for what we were looking for in pet insurance. Over that 5yr period we have relied on Healthy Paws twice. Once for an abdominal obstruction which required surgery and most recently to help pay for cancer treatments. Sadly, after 10 months our furry friend lost his battle but Health Paws was there to provide the financial support we needed. I found the rates to be reasonable and their claims process and reimbursement times spot on! We will be welcoming two more additions to our pet family this weekend and signing them up with Healthy Paws will be a no brainer.

out of 5

POSTED: | BY: Maria Elizathe

Healthy Paws is Fantastic

Healthy Paws insurance is fantastic and I would recommend it to anyone looking for pet insurance. They have covered our dog Sasha since she was a puppy. When we found out that Sasha had cancer we were worried about cost of treatment and how much would be covered. The fact that Healthy Paws has no cap on treatment was a blessing in such scary times. They always answered the phone with a smile on their voice, resolved claims in a timely manner and have covered ALL of Sasha’s cancer treatments. We are heart broken that Sasha lost her battle with cancer, but we are certain that we gave her the best possible life she could have had, and that is partly due to Healthy Paws.

out of 5

POSTED: | BY: Chelsea H.

Our Fur-Ever Partner for Pet Insurance

I have been with Healthy paws since September of 2014 for my dog, Opal, and recently purchased a 2nd policy in 2021 for my newest addition to the family Onyx. I am very happy with Healthy Paws coverage for both of my pets! Both were added when they were approximately 8 weeks old, and in our case there were no preexisting conditions. With two hard-headed Australian Cattle Dogs, we are no strangers to bumps, bruises, and surprise vet visits - most recently, my older dog needed surgery for two mass removals AND an ER visit when she had complications. Submitting a claim is as easy as snapping a few photos of the itemized invoices and medical records, and usually my claims are processes within 10 days. Honestly, having this insurance was a huge relief knowing that I didn't have to worry about the cost of treatment; I could just focus on Opal! Members from the Healthy Paws team even emailed us to ask how she was going following her visit, which meant a lot to me. Instead of a canned/generic check up email, it was genuine concern and details from her submitted claims, too so I know that real, pet-loving people are behind the the screen. I recommend Healthy Paws to everyone, and will continue to do so! I also recommend that new policy holders read over coverage so they understand what is/isn't in their policy, and try to gain coverage EARLY for their pets to avoid preexisting conditions. Pet Insurance doesn't replace preventative veterinary care, but is essential for when life throws its curveballs. 5/5 stars. We're members for life!

Monthly Cost

$15 – $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.


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.


You can choose an annual deductible of $100, $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.


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,, 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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