Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,174

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
5

out of 5

POSTED: | BY: KATHRYN WINTHROP

Purchased Health Insurance When Sierra was a puppy

I purchased health insurance for my beagle puppy, Sierra, when we got her. I did this because I wanted to be sure that her potential ailments when she was older would be covered. I never thought she would be having major problems when she was only four and a half years old! Healthy Paws was wonderful about covering the expenses for various tests that she had to have and never questioned the Vet's recommendations for these tests. They have always promptly paid for these tests. She is now hopefully going to recover and be back to her normal perky self.
5

out of 5

POSTED: | BY: Kevin W

A+++

Healthy Paws has helped us through 2 TPLO knee surgeries for our beagle, Gunner. I’m so grateful for their support!!
5

out of 5

POSTED: | BY: Judy Tollefson

Get pet insurance!!!

I took out insurance on my dog when he was 8 weeks old. I had to use it because my dog, Oreo, had a lump! Which led from one thing to another. I had to see a pet specialist! Healthy Paws has been absolutely wonderful!! It is so easy to make a claim. I just bring the bill home, open the app, take a picture and send it in. Within 3-4 days a check is sent to my bank account!! Healthy Paws you are the best. They are still working on Oreo’s problem. Should have definite answer by Tuesday next week!! I highly recommend insurance on your fur baby!! If I didn’t have insurance I don’t know what I would’ve done!!!
5

out of 5

POSTED: | BY: J.C. R.

2025 has been rough for my 13 yr-old…

2025 has been rough for my 13 yr-old dog following knee surgery (CCL tear) complicated by advanced generalized arthritis. Healthy Paws has been extremely supportive in their simple & speedy reimbursement for both her surgery and ongoing rehab costs. She just passed her policy anniversary date & I was very pleasantly surprised that her premium did not skyrocket as others have reported for their senior pets (thankfully I live in PA not CA or other states that allow major premium increases). Last week I had to contact Customer Service after noticing a quote on Winnie's website for a premium renewal cost exactly twice the figure I was quoted in her Policy Update letter sent to me 2 months earlier. I can’t speak highly enough of the rep Alesia (from Florida, not abroad) who picked up my call on the second ring and addressed my concerns thoroughly & professionally. Fortunately, it was due to a temporary systemwide software problem on their website which they were trying to correct at the time & she assured the proper rate was in fact the one quoted in my Policy Update letter. These days it's so rare to have a pleasant & helpful Customer Service experience. In this case, I can truly say my experience was consistent with the consistent 5-star experience with Healthy Paws I've enjoyed over the years. And for the record, I'm not a bot, just a retired physician.
5

out of 5

POSTED: | BY: Michele Ienna

I can’t say enough good things about…

I can’t say enough good things about Healthy Paws! From the start, the entire process has been incredibly smooth and stress-free. Submitting a claim is super easy — you just snap a photo of the vet bill and upload it through their app or website. It literally takes less than a minute. What impressed me most was how quickly they process claims. I’ve had multiple instances where I received reimbursement within a few days of submitting — sometimes even faster. It gives me so much peace of mind knowing that not only is my pet covered, but that I won’t be waiting weeks to get reimbursed. Customer service is also top-notch. They’ve always been responsive and compassionate whenever I’ve had questions. Healthy Paws truly feels like a company that cares about pets and pet parents. If you’re on the fence about pet insurance, I highly recommend Healthy Paws. They’ve saved me thousands in vet bills and made the process painless every step of the way.

Monthly Cost

$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.

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