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

POSTED: | BY: Dana

Excellant claim handling

I have owned 6 wonderful dogs over the last 30 years, yet never believed in the need for pet insurance. A few months ago my 6 year old dog Spanky suddenly developed pancreatitis along with raised crusted lesions all over her body. After seeing her vet and then a vet dermatologist for a biopsy, and spending over $1,000.00 she is back to normal. But we still have no idea what caused this sudden illness!! Veterinary medicine has come a long way over the years, but it sure is costly. I am retired and a vet bill like that sure hurts. I researched and insured my 1yr old dog Honey with Healthy Paws. A small monthly payment is so much easier to handle, then a huge immediate bill. After making my 2nd monthly payment, Honey suddenly had 6 seizures in 1 hour. After all the testing, an overnight hospital stay, and medication...she is fine but the bill was over $1,200.00. The reimbursement was quick and the majority of the bill was paid! I sure wish I had this insurance for my other dogs.

out of 5

POSTED: | BY: Susan

Great Customer Service

I bought Healthy Paws Insurance for my 4 year old boxer and have never been happier. While consulting with my vet about insurance, she said "you have a boxer, so YES, get the insurance." At that point, I began to shop around and landed with this company for coverage. This company is great because they will allow you to select the deductible you want and the percentage of coverage you desire. Whatever you select will determine your monthly rate. I pay about $50 a month for it and let me tell you - it's absolutely worth it! My dog is now 5.5yrs old and we have been through 2 surgeries using this insurance. Every time my claims were adjudicated quickly and I received 90% (minus my deductible) for the costs. If I did not understand why something was not reimbursed, it was always explained to me clearly and if something should have been covered but wasn't for some reason, it was corrected immediately. Their customer service is EXCELLENT. If you are considering pet insurance, definitely take a look at this company. I cannot tell you how much it has saved me financially as well as for piece of mind. I never worry about a $10,000 surgery because they are right there with you all the way. My boxer just got a tumor removed (very common in boxers) to the tune of $1,000 ($300 to diagnose, $700 for the surgery) and everything was covered (minus the vet's office fee, which they don't pay for). I can't say enough good about this company. Definitely consider them when do

out of 5

POSTED: | BY: Karen Andrews

Cancer surgery

Healthy paws always pays it's claims promptly. It is such a relief to not worry about getting the surgical treatment my dog Finn needed for the peripheral nerve sheath cancer on his leg and we are starting his radiation treatments soon.

out of 5

POSTED: | BY: Kim Reynolds

Healthy Paws Insurance has given us peace of mind

I love Healthy Paws insurance! We have four terriers and cover them all. Recently the "good one" ingested a piece of chew toy, only we did not suspect he had eaten something because he is the "good one". There were trips to emergency clinic, vet office, specialists and ultrasound and surgery over 72 hours before discovering the problem followed by. three days in doggie ICU. All of this resulted in massive bills. Healthy Paws had multiple reimbursement checks to me in less than a week after filing the claims - which is so easy! We were incredibly grateful to not have to worry about the cost at the same time we were so worried about our little boy. The customer service folks are so nice and they even follow up just to check on him after paying the claims.

out of 5

POSTED: | BY: Sandy Tracy

Wonderful service & company

These are great people!! We adopted a dog and different friends recommended pet insurance. We shopped around and went through the different reviews of pet insurance companies online. Healthy Paws had great reviews so we chose this company. Of course it's a big decision to pay just another monthly premium these days ... We had the same concern. We just thought it wise since our dog was not a puppy. We could not believe it when a short while later, our dog hurt her leg. Of course we took her to emergency care. Imagine our surprise when we submitted the bill and were promptly paid by Healthy Paws!' And add to that prompt processing, the people there sent caring follow up emails to check on our dog's progress in healing What great people!! I highly recommend this company!!

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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