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: Kristine Ready

Healthy Paws is Exceptional!

Healthy Paws has been fantastic! They have always been so helpful when I've called and spoken with them on the phone. We recently submitted a claim and received our reimbursement check in less that one week! Also, they were so concerned about the well being of our dog. Fantastic customer service. We will highly recommend this company to our friends!

out of 5

POSTED: | BY: JoAnn Gibson

Healthy Paws is AWESOME!

When our lab puppy, Luke, suddenly went lame over the weekend, for what seemed like a broken toe, having insurance made the decision to take him into the emergency vet so much easier. When the vet suggested we get xrays to determine the cause, it was such a relief to not have to let the cost effect our decision. This is already our third claim since we enrolled 5 months ago. Each time the claims team was extremely friendly and showed sincere concern for Luke's well-being. And, WOW... each time our claim was process within 24 hours. Even though, luckily, we haven't had any large claims (each under $250,) it has still paid for itself. I think the deductible, premiums and copay are extremely fair. I can't recommend Healthy Paws enough, and I do recommend them A LOT. I only wish my own health insurance were nearly as good. Healthy Paws is awesome!

out of 5

POSTED: | BY: Christina

Wonderful Insurer!

My policy has already paid for itself many times over with a single dental claim (tooth fracture through the dentin). He was just a year old and it was one of his lower canines, so we took him to a canine dentist for treatment. Healthy Paws handled my claim in a clear and caring manner. There were no surprises in terms of what was covered and what wasn't. I was very happy to have 90% of the treatment costs covered, minus the exam fee and a $50 annual deductible. They processed my claim incredibly quickly, I had my check later that week. Any time I've called them I've been really pleased with their customer service, and this was no exception. They even followed up a few weeks later to see how he was doing. I love that they actually help shelter pets unlike bogus political organizations like HSUS.

out of 5

POSTED: | BY: Suzen Drogin

Healthy Paws has been amazing!

I cannot say enough about how wonderful Healthy Paws has been. Until June 2011 when we switched to Healthy Paws, Pudding, our 8 year old standard poodle, was insured with another company. Every time we filed a claim, there was always a reason that it was not covered. In November 2011, Pudding ruptured a disk in his neck causing neurologic impairment in his hind legs. Thousands of dollars for tests and MRIs, Healthy Paws paid immediately, no questions asked. When I called to say Pudding needed surgery, another $5500, what sort of pre-authorization did I need; the only concern was for Puddings well being and recovery. Again, my reimbursement was received within a few days. I actually received inquiries from the kind people at Healthy Paws as to how Pudding was doing and what else could they do to help. Yesterday I submitted the invoice ($600) for a quad-cart , Pudding’s wheelchair, as he won’t be able to walk for several months. I have just received an email advising me that we will receive a check shortly. It has been a long, difficult several months, but Healthy Paws has made it so much more manageable. I don’t know how we would have been able to handle it all without their assistance. I wish my health coverage was as good or as caring! From the bottom of our hearts, thank you Healthy Paws.

out of 5

POSTED: | BY: Melissa

One Less Thing to Worry About

I recently found a lump on the side of one of my dogs, Charley. He is only 3 years old and I am sad to say it was found to be a mast cell tumor. It has been surgically removed, but there are cancerous cells left deep inside him where they could not get everything, which means he will need further treatment - possibly more surgery, radiation, or chemo. I will be consulting with a veterinary oncologist for him, but in the meantime, the wound where his surgery took place on his side has been difficult to heal. Stitches and staples have not been able to keep it properly closed so I have solution to clean it, antibiotics to help ward off infection, and pain medication to keep him comfortable. Through 6 visits to the vet with him in the last month and all the associated expenses, Healthy Paws has been there with great coverage, regular email updates to me about my claim process and timely reimbursements, not to mention the personal touch of inquiring about Charley's progress. Any time I have called to ask them a question, they have been so friendly and helpful. I have been so happy with their service so far and it is great to know I can count on them for that level of service as Charley and I continue treatment for his cancer so that I can focus on him getting well and not have to worry about any administrative hassles that so often come along with insurance claims. I know Charley will be o.k. and have many more healthy years ahead of him, and I will have Healthy Paws partially to

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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