Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,176

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: Bettina & Dennis Lambert

Communicating with Healthy Paws…

Communicating with Healthy Paws throughout the process. HP was able to direct pay my vet which saved me having to advance $8K for the surgery.
5

out of 5

POSTED: | BY: Amy Mallea-Oster

My golden retriever had bilateral tplo…

My golden retriever had bilateral tplo surgery. I submitted the claim day of surgery and was notified next day that claim was approved and would be paying. Very fast with getting funds back to me.
5

out of 5

POSTED: | BY: Linda Sobel

very good with customer support

very good with customer support. I have been with HP for many years and it has gotten so easy regarding the claims and quick payment. :)
5

out of 5

POSTED: | BY: Jeffrey Weiss

Excellent explanation of cataract procedure and…

Excellent explanation of procedure and costs. Excellently explained after care. All appointments on time. Excellent and swift response questions. And excellent outcome!
1

out of 5

POSTED: | BY: Karin

Just a ripoff!!!

After eight years of paying Healthy Paws insurance and finally getting back the amount close to the amount of the monthly payment. They changed my deductible from $250 to $500 and my reimbursement percentage from 80% to 70%. I dealt with the price increases from 50.07 in 2018, 112.72 in 2024, 152.44 in 2025. This year it was 142.95 down approx 10.00 but reduced policy as stated above.

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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