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.
Top-Rated Pet Insurance Plan
Official Pet Insurance of PetSmart
24/7 virtual vet care: Through Airvet — the nation’s leading veterinary telehealth app
Fast claims: Most claims are processed within 2 days
Coverage options with no payout limits & 90% reimbursement
This was my second claim for my Shih tsu. Same diagnosis of HGE. Took her to an emergency VEG facility. Were she was given excellent care. I submitted my claim to Healthy Paws. My claim was accepted with no issues. I was reimbursed with no hassle accordingly to my insurance coverage. I highly recommend this pet insurance company.
Rates have doubled in the time my pet has been covered. They don’t cover allergy meds which has been our biggest expense over the years. Will not be using them for future pets
Healthy Paws has turned unrecognizable; what was once a good company, sucks, today. Half of my calls to Healthy Paws are disconnected by their incompetent, off-shore, Customer Service (a misnomer) personnel. Healthy Paws has outsourced their once USA/domestic Customer Service, to a Third-World country, abominable, call center for Customer Support. These, off-shore personnel are as incompetent as is their command of the English language. Multiple claims that we have sent to Healthy Paws, via email, have been lost; in addition, we no longer receive the automatic reply that we used to receive, when we filed a claim. Healthy Paws has turned unrecognizable, and unacceptable. We have been clients of Healthy Paws for over 20 years, with multiple dogs, and we are stuck with Healthy Paws, as our dogs are sufficiently old to have preexisting conditions, which no new insurance company will assume. My best advice to a pet owner, considering Healthy Paws, DON’T, LOOK ELSEWHERE. Healthy Paws sucks.
My dog has been with Healthy Paws for 9 years on the 12th of December 2025 my dog was taken into emergency & kept until December 16th.
I submitted my claim to Healthy Paws they told me that my policy had changed on the 14th of the month (December) reducing my reimbursement to 70% from 90% !!!
Leaving me with a hefty bill.
I disputed the claim andI’m still waiting to hear back.
This is the second dog that we have had with HP Insurance. The process of submitting claims and receiving feedback/communication was above and beyond what I was expecting. This last claim was the biggest we have ever submitted, even when we had our dog Zoey Peele (RIP). I submitted 65 pieces of paperwork regarding Nala's injury, and when I tell you the process was dummy-proof (LOL), it truly was. I also thought because the bill was so much, that it would take a few months for everything; NOPE! We got back our money within 2 weeks of submitting, and that was right before Christmas, so needed. My co-worker has pet insurance with a different company and could not beleive HP process and quickness. His dog has a major injury months ago and it took them close to 6 months for a $6k claim. Once again thank you so much for making this process so easy.
$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.
