Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,403

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
1

out of 5

POSTED: | BY: Daniel Gledhill

Absolutely unexplainable increase

Absolutely unexplainable. I’ve had two policy one for over 12 years that just experienced its second years highest rate increase.2014 $33 per month 2024 $175 per month 2025 $250 per month. Starting January 2026 they want $580 per month. How is this acceptable. My 7 year old dog with zero claims policy is going from $60 to $81. From $300 to $660 a month I’ll be better off self insuring but if I knew this is how Healthy paws operate id would have been better of self insuring.
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1

out of 5

POSTED: | BY: Junior D

Beware of OUTRAGEOUS price hikes

Beware of OUTRAGEOUS price hike when your pet is older +104% (more than doubled the price +$100/mo) Not one claim EVER The rate hikes were as follows: 2017-$42/mo (inception)-pet age 6months 2018-$49/mo (+17%) 2019-$56/mo (+15%) 2020-$58/mo (+3%) 2021-$67/mo (+16%) 2022-$76/mo (+13%) 2023-$84/mo (+10%) 2024-$96/mo (+15%) 2025-$196/mo (+104%)-pet age 8.5years The CA Dept of Insurance did nothing
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5

out of 5

POSTED: | BY: Lucy Dotson

Simple coverage for the most important stuff

Healthy Paws is a nice, simple, no-frills insurance provider, which is what we prefer. We'd rather pay a lower premium for unexpected issues than get all the bells and whistles covered. Healthy Paws pays out claims really fast--often within days. Submitting claims is easy. The coverage is fair and reasonable. So far, none of our claims have been unfairly declined. Goober is doing much better after the surgical removal of a foxtail from a lymph node in his neck. We are grateful that the exorbitant cost of pet care was one less thing we had to worry about, thanks to Healthy Paws.
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5

out of 5

POSTED: | BY: Richard Maguire

Good customer service and claims payment

Healthy Paws has paid two claims over the years and since I own four dogs, there are occasionally expensive procedures. Customer service is very good and claims are paid promptly. I recommend them to any pet parent.
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5

out of 5

POSTED: | BY: Maria A

Prompt payment is appreciated

Prompt payment is appreciated. This company is one of the rare ones not to have an age limit on insuring pets, my dog is 12 yrs old, the age when things typically go south health wise
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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 detail
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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