Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,083

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.7
  • 4.9
  • Count
  • 67
  • 264
  • 9,083
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 5

POSTED: | BY: Cathy


After much research we recently chose Healthy Paws for our two new kittens, Cagney and Lacey. They are approx 6 mos now and we have just had them for 2 mos when Cagney woke up one morning 2 weeks ago very lethargic and hardly able to open her eyes. We were so worried it could be the worse, knowing that kitties can deteriorate so quickly. Our vet did a bunch of tests; gave her injectable antibiotics, and hydrated her. Turned out to be bacterial microplasma. She is still on her meds and vastly improving. This bill was $1000 and Healthy Paws is paying $753, which is 90% of bill after deducting the physical exam fee and our deductible. This company could not have been better. When I called the first day we took Cagney to the vet, the person actually asked me how she was doing as she walked me through what I needed to do for a first claim. True to their word we received the email yesterday stating what they were paying, well within the 7-10 days for a first claim. The email even asks how Cagney is doing. You don't get much better than this: great coverage and nice, caring and supportive people!!!! Just wish we could afford it for our two older cats now 15 and 17!

out of 5

POSTED: | BY: Luke Driscoll

Awesome friendly, prompt, service

We had an unfortunate situation with our dog, where she went off her food and was throwing up. We had to take her to the vets and get x-rays and all sorts of costly stuff. The fact that Healthy Paws covers 90% of the treatment costs makes it a lot easier to make the decision on whether to have the x-rays and tests. When I contacted Healthy Paws they were nothing but caring and kind. They helped us through the process and we had no trouble in making our claim. The cheque came through within days. I always knew that Healthy Paws was excellent, but it's not until you're actually in the situation where you need them that you really find out how good they truly are.

out of 5

POSTED: | BY: Gabby

They Won't Cover ANY claims that I sent in

I am very sadden that Healthy Paws will not cover my dog's claim. Both my Vet's warned that the pet insurance industry is much like the human health insurance industry and many times that they don't cover claims. How right they BOTH were. Buyer Beware!!!!!! My dog got a skin allergy after eating something 2 days after the waiting period ended and because of that, they won't cover the insurance. This is a "newer" pet insurance company on the market and that brought down their ranking but I thought that they had good reviews. I took a chance and got blind sided. DO NOT GET THIS INSURANCE. SAVE YOUR MONEY! They haven't paid for 1 CLAIM!!!!!!!!!!!!!!!!!

out of 5

POSTED: | BY: Jeff G.

amazing. simply amazing service/coverage

Marketing information and websites are nice but ultimately I can only rate a company once there is meaningful interaction and with insurance that usually means a claim. My cocker spaniel had been insured for about a year. She had pre-existing cataracts so those were not covered. I decided to pay for the surgery to remove one from her right eye. It went well but several months later glaucoma developed as happens occasionally after cataract surgery. The glaucoma escalated so quickly that her optic nerve became damaged and her vision once again was very poor in that eye. So I decided to have the left eye catract removed and also do a preventative surgery to avoid any possibility of glaucoma in that eye in the future. I wanted her to have at least good sight in one eye. Because glaucoma is painful - I also had another surgery in the right eye to alleviate the glaucoma. The amount of money spent was astronomical -- $6000 not including medicines (on top of the previous cataract surgery a few months earlier). I made a claim requesting reimbursement for the expenses related to the glaucoma. I submitted very complex bills because of the multiple surgeries done simultaneously and asked that for a pro-rated share of the surgical and hospital costs for the glaucoma. I wasn't sure it would be covered at all since it was possibly the result of the cataract surgery (which was not covered). Well, it was covered! And my reimbursement was EXTREMELY generous in how they al

out of 5

POSTED: | BY: Birgit

Amazing company

I recently insured my 1.5 year old pit bull cross with Healthy Paws. 18 days after we purchased insurance our dog completely ruptured her cruciate ligament. There is a 15 day waiting period for coverage. I was SURE they would figure out a way not to cover the $4500 surgery. However, I faxed them all the records and within 10 days I received a reimbursement check for my dog's medical care. There was no hassle, no questions and great customer service. I highly recommend Healthy Paws.

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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