Healthy Paws | Pet Insurance Review


out of 10

7010 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.3
  • 9.1
  • 9.7
  • Count
  • 30
  • 308
  • 7010
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 10

POSTED: | BY: Rachel Lubman

We Love Healthy Paws!

Healthy Paws have been awesome from day one! They respond to and resolve my claims quickly, and after one of my girls' recent trip to the ER, even checked in to ask how she was doing and send their well wishes. Their customer service is top notch and their coverage has given me and my rambunctious fur-family peace of mind. We love Healthy Paws!

out of 10

POSTED: | BY: Karen Thompson

Great Pet Insurance

I selected Healthy Paws in 2015 because it was rated as the best pet insurance company out there. The monthly rates are reasonable but my only complaint is that once your pet is older than 10 years old, the monthly rate increases each year. My 12 year old dog just had major surgery and I was impressed by how easy it was to file a claim and how quickly I was reimbursed. I was surprised that a human being answered the phone when I called from my vet's office to see if I needed pre-approval for the surgery. This is a great pet insurance company and I would recommend them to anyone.

out of 10

POSTED: | BY: Laura Webster

HealthyPaws shows caring in insurance

If you are on the fence about which insurance to get, get HealthyPaws. We have had HealthPaws for both of our pups for over seven years. This review is long overdue. When our 13-year-old puggle became suddenly ill, knowing we could focus on her and not have the weight of how much an emergency hospitalization was so helpful. From a business perspective, HealthyPaws has always reviewed the claims quickly and made payment in less than 10 business days (usually much faster), which is amazing. Then comes HealthyPaws humanity. After Zoe's unexpected visit, we received an email checking in asking how she was doing. *Never* in my human life, have I had an insurance company reach out to me after an unexpected illness. They do not only give you peace of mind to focus on the furry love of your life, by they care. They care about the furry ones they insure, and I am just not quite sure you can ask for more than that.

out of 10

POSTED: | BY: Chris Haroun

Please, if you care about your pet's health, do not use this company.

Please, if you care about your pet's health, do not use this company. I've been going back and forth with them for two months trying to get reimbursed for my dog's pneumonia bills. Three vet clinics have sent my dog's records to Healthy Paws multiple times, but they just keep requesting the same records over and over until they cancel the claim. This is a borderline fraudulent business. Their communication is terrible, and they make fining a claim impossible. Shop for insurance somewhere else. I'll be switching to another company.

out of 10

POSTED: | BY: Amanda Mahncke

Highly Recommend

I am incredibly happy with Healthy Paws! I purchased their insurance right after getting my pet in November 2020. It is easy to file a claim, they are communicative and efficient in processing the claims, and they even go above and beyond. For instance, my dog just needed major surgery and not only was the claims process seamless, they reached out to me to see how she was doing. I was so appreciative of that and I believe it speaks to not only their customer service, but genuine care for our pets. I HIGHLY recommend Healthy Paws!!

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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