Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,221

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: AnnMarie Zingaro

Healthy Paws has been incredible

Healthy Paws has been incredible. Claims are processed quickly and the whole process is so easy. Thanks to them, my Rottweiler Gucci received the treatment she needed, and she’s now pain free and thriving as a tripawd. I’m forever grateful! 🐾❤️
5

out of 5

POSTED: | BY: Philip Krajewski

Healthy Paws is a great company

I've been insured with Healthy Paws since getting my first dog in 2017. Healthy Paws is great to deal with and they make filing claims very easy. They have excellent communication and keep customers updated with their claims process. Payments also arrive quickly. I'm very pleased with the company and recommend it to anyone!
2

out of 5

POSTED: | BY: Kevin Stolzenbach

Not worth it, hidden escalation, less coverage, poor response to policy holders

Have been a customer for 10 years with our dog. While the claims process has been fine over the years, slowly but surely they’ve raised premiums and reduced coverage. Now, they announced changes that more than double the monthly premium. So at 110+/month and minimum deductible of $750, I need to pay more than $2000 in a year before I am able to only be reimbursed 50%. Not sure how that is worth it for most people with relatively healthy dogs like ours. I won’t be returning as a customer in the future given their poor response to these changes when I called and messaged for an explanation, won’t recommend them.
1

out of 5

POSTED: | BY: Tristan

BEWARE OF HEALTHY PAWS!

BEWARE OF HEALTHY PAWS! After 9 years of loyalty and paying their ever escalating premiums, they decided with a 60 days notice stating 8/1/25 ALL dogs 7 years plus received a 40% reduction in coverage, my deductible went from $100 to $1,000. Basically it is now health catastrophe insurance. They do not cover wellness Had I had known this I would’ve started my puppy with another insurance company that’s more solid like Embrace. I realize these newer companies start you off on a low premium with great deductibles and coverage and then all of a sudden either drop you totally or drastically reduce the benefits, upping the premiums and upping the deductible by 1000%. Now I can’t switch him because he has pre-existing conditions so I’m stuck with a high premium $1000 deductible and a 50% coverage. Go on Reddit, FB etc. and you see people’s reviews. This new policy just happened August 2025. BEWARE OF HEALTHY PAWS
1

out of 5

POSTED: | BY: c wally

Don't buy Healthy Paws Insurance

It's disgusting to see all the responses from Healthy Paws in this thread, acting like they care and that their insane and constant rate increases are reasonable and not based on age. Like many others, they told me this lie years ago when I asked about their rate increases. At the time it wouldn't have been too late for me to find a decent pet insurance company. Last year when my dog turned 10 they went up to $250/month. This year they want $364. They've paid out a total of $250 for medical treatment of my dog when she was a puppy. Don't buy insurance from this company. I really wish I'd just put the over $20,000 they've charged for 1 dog aside, just in case.

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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