Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,651

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.6
  • 4.9
  • Count
  • 38
  • 266
  • 9,651

Updated: December 05, 2023

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


Great Company!


out of 5

POSTED: | BY: Becca

Excellent Coverage, Outstanding Customer Service

I did a lot of research on pet insurance companies before I decided to go with Healthy Paws. The monthly premium is about $40, and it is the best $40 I've ever spent. You can read all the reviews and do all the research you want but until you actually use the insurance you have no idea what to expect. I have been so pleased with Healthy Paws the customer service is amazing, they respond to emails within an hour of sending, the claims process is easy and processed in a timely matter, coverage is exactly what they state they cover, there is absolutely no hidden BS. Honestly my Dog has better health insurance then I do!! LOL.My poor 9 month old Pug started having issues back in Aug after months of testing it was confirmed that her liver is not functioning properly. After everything was said & done I had racked up about $7,000 in vet bills. anyone who owns a pet knows it is very stressful when you have a sick animal. The last thing you want to worry about is how your going to pay for the bill. With Healthy Paws that worry doesn't exist. I have 90% coverage and that's exactly what they cover, no surprises, no hidden BS. The coverage is excellent! On top of it Healthy Paws always follows up to check and see how my Lucy Liu is recovering, that always makes me feel good. They really do care about the well being of your furry friend. Most importantly I highly recommend Healthy Paws, every animal should be insured.

out of 5


Friendly and helpful. ... Recommend

Wonderful customer service ... Very caring and responsive. I highly recommend.

out of 5

POSTED: | BY: Rachel P

Great deal, straightforward

It's non-profit and for $30/month they cover 90% of expenses. They don't cover exam fees or preventative care, and there's a $100/year deductible. I think it's a great deal and have found them easy to deal with via email and phone. They reimburse promptly and no surprises with what they cover. Our puppy had to be hospitalized overnight and the bill came to about $650. They reimbursed 0% of the exam fee and 90% of everything else, which brought the cost down to about $125. My wife and I have definitely had human health insurance that is not this good.

out of 5

POSTED: | BY: Brian

Disappointed. My fault????

I read all the reviews. Healthy Paws is very much celebrated as one of the best. My experience was not the same through, I guess, maybe no fault of my own. I took my 1 year old dog to the vet in September of this year as she was having trouble with her left back knee locking. The first time I noticed her knee lock was around May of this year. It only happened occasionally, maybe once every 3 weeks. I had read via the internet that it was a hereditary ailment. Something you had to monitor. Then in September my dog couldn't settle her left hind leg down for long periods of time, so I took her to the vet. The vet diagnosed that my dog had a hereditary knee disorder (patella luxation) found in many dogs. Well, I paid my bill and later filed a claim with Healthy Paws. The refused to pay my claim or anything to do with the treatment of my dogs left hind leg. They were nice enough to tell me they would cover the right hind leg. Well, apparently when the vet was examining my dog and asking if I had observed any prior incidences, I had told her that I noticed her left leg begin to lock at times around the month of May. This was the same month I signed my dog up with Healthy Paws. FILING MY SEPTEMBER CLAIM: Healthy Paws requests that claims be accompanied by the vets records. This meant I had to drop off my dogs claim form at the vet office, and they in turn submit the information required for my reimbursement. Apparently, somewhere in the notes faxed over from the vets, it mentio

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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