Healthy Paws | Pet Insurance Review


out of 10

6990 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.1
  • 9.1
  • 9.7
  • Count
  • 32
  • 322
  • 6990
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: Kendra

Saved our bacon

Let me start by saying that I never believed in pet insurance. I thought it was one of those hokey, snake oil types of deals. In 2015, I lost two dogs and ended up spending close to $12,000 for their care that year alone. When I looked into Healthy Paws, and what my cost COULD have been, I honestly felt a little sick to my stomach. I researched all of the companies out there and found that Healthy Paws has the best coverage, best price, and easiest system to use. It was a complete no brainer. I have it for my two new rescues and have already reaped the benefits. My husband is currently out of work and our poor guy had to lose an eye to glaucoma. We NEVER would have been able to afford this had we not invested in Healthy Paws. It literally saved our financial bacon. I am a firm believer in the product. Do not hesitate to get Healthy Paws for your pets. Your financial freedom and your pets well being are not mutually exclusive anymore!

out of 10

POSTED: | BY: Stephanie Silva

Best insurance for emergencies.

I have 2 dogs, both strays. One was a stray from Panama (Chooki) which I brought over with me to Miami and the other we adopted from our local shelter (Louie). From day 1, Louie was sick with pneumonia, kennel cough, and high fever. The day after we picked him up from the shelter we were dropping him off at an overnight animal hospital to run tests and get an IV. We spent almost $2,000 that first night! And at the time, we had insurance with Pet Smart "Bansfield". They only covered preventative costs, such as shots, regular visits, and ear cleanings. Since my pets were really healthy, I didn't see the need to switch the insurance, until that night. While at the hospital, I picked up a brochure for Healthy Paws and the lady at the front desk told me she used that insurance for her 2 pets and it was really good. I switched and actually paid less than what I was paying with Banfield. I paid $25 for each pet a month and downloaded the app on my phone. The insurance had a $200 deductible and covered 80% of medical bills. What I liked about it was that it was completely opposite from Bansfield, in that it didn't cover preventative medical care, but everything else. Which was fine, cause most places have plans where you can pay a 1 time fee of $60 and it covers their shots for life. Plus I don't take them to the vet unless something is wrong, they get their ears cleaned at the groomers. I was worried that if Louie got sick again, we would be out of pocket another couple of thousand dollars. Both dogs are very healthy, but Louie is that kind of dog that is prone to swallowing anything and everything around the house! I once pulled an entire bandanna (from the groomers) out of his butt, he had swallowed it whole! So just 2 weeks ago, he decided to swallow a sock he found in the house somewhere. My husband and I didn't know what was wrong with him, but he was constantly throwing up, had no appetite, and a high fever for 2 days. We took him to the animal hospital, they did an xray, and sure enough found out that he had swallowed a sock and it was stuck in his intestines, not allowing anything to pass through and damaging his organs. They had to go into surgery to remove the sock immediately to avoid causing further damage to his intestines. We were nervous about the surgery and about how much this would cost us, since we had never had to use our insurance before. When the final bill came: diagnosis, surgery, anesthesia, medication, everything totaled to

out of 10

POSTED: | BY: Samuel Collins

If only Human Insurance worked so easily

It is such a simple process: you take a photo of your invoice and upload it via the app. In a few days they let you know how much you will be reimbursed and you receive a check a few days after that. Plus they actually care about animals. After our dog had to undergo an endoscopy they wrote a week or so later to check in on his progress. You'd never get that level of attention from aetna or Blue Shield.

out of 10

POSTED: | BY: Betty Ketchum

Excellent customer service with compassion

You people are a piece of work in a really good way. Loved the email you sent us after paying our claim asking if our ayukon was doing better. You are the best customer service we ever had with attention to detail. It is much appreciated. First time we ever bought animal insurance and are so pleased you have made that a positive experience.

out of 10

POSTED: | BY: Jackie

Great company and service.

Molly has just had her second TPLO surgery, besides handling my claim quickly, they check in to see how she is recovering. I recommend Healthy Paws to every one I know. They have been a life saver for Molly.

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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