Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,651

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.6
  • 4.9
  • Count
  • 38
  • 266
  • 9,651

Updated: December 05, 2023

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: Len Thompson

Do yourself a favor and either put the…

Do yourself a favor and either put the money away each month or wait until your dog gets older to insure them I thought I was doing the right thing by insuring her when she was a puppy to avoid paying higher premiums when she got older. I first started out at $26.36 per month then it was increased each year to $31.42 to $37.29 to $40.32 to $42.34 and never had I claim throughout this whole time then I was notified it was being increased to $59.77 per month. They said it was due to all the other claims they have had to pay out of course not my claims. After the notification I did submit a claim as my dog had had inflammation in her gums and bleeding and because my vet marked it as a dental cleaning they denied the claim. Now why would I have another dental cleaning in February since I already had one in October we all know how expensive they are. So far I paid out over $2000.00 to healthy paws and I wish I would of put that money away instead of paying it to them I’ve had enough I will be canceling my coverage what a waste.

out of 5

POSTED: | BY: Lynne Larson

Highly recommend

I've had my Cavalier King Charles Spaniel insured with Healthy Paws since his puppyhood. He's had several accidents and illnesses and all claims were paid promptly. Easy claims and review process. Highly recommend.

out of 5

POSTED: | BY: Brad Houdek

Unexpected Pet Emergency!

Unexpected pet emergencies happen, and there's no better feeling than knowing you are part of a network that has you covered when you need help most. Our sweet Ollie was suddenly unable to relieve himself one afternoon, which required immediate action! We rushed him to the pet hospital, and thanks to Healthy Paws, were able to get him the BEST care possible, on the spot. It is so relieving as a pet parent to know that someone has your back, allowing you to bypass less thorough solutions and afford the best treatment options available for your little furball. No questions asked, just send over the required documentation and your reimbursement check will arrive within a few days!

out of 5

POSTED: | BY: Carolyn O'R

A company that no only goes above & beyone, they also care!

I cannot express how satisfied I am with my experience with Healthy Paws insurance! I have 2 senior dogs with multiple health issues. Both pups have gone through various heath issues & surgeries over the past 5 yrs or so (seizures, spleen mass, cancer scare, diabetes, cataracts/blindness to name a few). Each time, Healthy Paws processed my claims within 1-3 business days (at most) and the reimbursement was in my checking account within 3-5 business days. If they have needed add'l info, they have contacted my vet themselves, which makes it seamless to me. Needless to say I have had numerous claims over the years and my premiums have only had a normal/expected yearly increase as they have a policy that incidents do not impact premiums. My monthly premiums are actually lower, sometimes far less, compared to my friend's premiums. During my pup's recent health issues, someone from Healthy Paws actually emailed me to express their sympathy for my pup's recent health issues and checking in to see how she is doing. I was very touched and could not believe an insurance company did this. Healthy Paws will absolutely be my pet insurance company for as long as I have pets. I highly recommend Healthy Paws!

out of 5

VETERINARIAN: Metzgers, State College PA

POSTED: | BY: Ingrid Colt

We were surprisingly pleased!

We’ve made several claims over the years for illness and accidents for our dog and they were paid quickly with no unpleasant surprises. It gives us real peace of mind to visit the vet and not have to make potentially heartbreaking decisions about affording pet care. One thing to be aware of is that the new year begins on the anniversary of when you first enrolled. I thought it was a calendar year. When I called to question it, they kindly explained how that works.

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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