Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 7,476

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.9
  • Count
  • 35
  • 235
  • 7,476

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


Solid Insurance Plan

My experiences with Healthy Paws has been exceptionally good. I would agree with many of the positive posters that most of the negative comments seem to be from people that did not read or understand the terms of the policy. Recently my boxer tore her CCL and required surgery to insert a metal plate and screws. Healthy Paws processed the claim quickly (the check arrived prior to the credit card bill) and even helped obtain her medical records from a different vet. Per the policy the vet examinations were not covered but I purchased the policy to cover the big ticket items, so 90% of the surgery and therapy visits are covered (after the deductible). I am very happy with the service I have received and I believe their explanations of the benefits have been spot on.

out of 5

POSTED: | BY: Chad Meyer

11 / 10 Healthy Paws far exceeded my expectations

I purchased insurance from Healthy Paws a few years ago specifically just in case of a catastrophic event so that money would not play a role (even subconsciously) in my lab Lexus's medical care. Unfortunately, that catastrophic event happened in form of a hard to diagnose cancer. Thanks to Healthy Paws, I didn't have to hesitate to provide Lexus the best medical treatment available without regard to cost and that bought Lexus an extra 30 days of high quality time for me work through her "bucket list". Instead of downing under the burden of $20,000 (really) in vet bills, my funds went towards providing Lexus a "rockstar" final 30 days. She had omelettes for breakfast, roast beef for lunch, and steak for dinner. She came to the office every day and had tons of fun and attention. Healthy Paws processed my complex claim in about 4 hours and I had a check in hand in 2 business days. I received not a penny less than I expected. Healthy Paws made me feel like I am their only customer.

out of 5

POSTED: | BY: Heather

Caring customer service

I spent a lot of time researching pet health insurance, which everyone should do. Each insurance offers different plans which are not all equal. Make sure to read what is covered, what is not, what the deductible is, what percentage is reimbursed. Knowing your expectations and then finding the plan that matches is key. I felt this insurance provided the most comprehensive coverage that I wanted at the best price, and have not been disappointed. They are very quick to follow up with my claim, reimburse me, they check up on the well being of my dog afterwards, answer all my questions, and are available via phone or email. Completely happy.

out of 5

POSTED: | BY: Amanda

Speedy and reliable service.

Helpful coster service. Nice to have a sense of being taken care of in a pet emergency.

out of 5

POSTED: | BY: Michele

Healthy Paws Is Amazing

My 6 month old puppy was acting strange and we took her to the Emergency clinic. It was neurological and they kept her overnight. She was treated for toxicity. This is our first pet and we were so sad and anxious. Unfortunately, you need insurance when something bad happens and you are an emotional mess. Fortunately, I contacted Healthy Paws about submitting a claim the next day. The process was so easy and they were so responsive! My puppy is doing much better and I am grateful that I invested in pet insurance with Healthy Paws. Kudos!! (Btw, I work for an auto insurer, so I know how insurance customers should be treated...)

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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