Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,233

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.7
  • 4.9
  • Count
  • 56
  • 278
  • 9,233
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: A. Dudoit

Best insurance EVER!!!

Having been a pet owner my whole life, I know the unexpected happens and when it does it is expensive! So when we got our little Havanese puppy, Riley, I checked into pet insurance. After researching thoroughly all the big companies I stumbled upon Healthy Paws and I'm so glad I did! So many companies have various limits and exclusions so their policy is hard to fully grasp. I loved that Healthy Paws policy was up front, low premiums with no incident or lifetime limits. In two weeks time my now 10 month old puppy had to be seen 5 times for two different events. All of the claims went smoothly, reimbursement has been fast, and all the representatives have been extremely helpful. It is such a relief to know that I can now afford to give my baby the quality care that he deserves without worrying about the bottom line.

out of 5

POSTED: | BY: Vivianna teixeira

Lifetime customer!!

This company is not only extremely efficient at getting claims processed and mailing the reimbursement checks quickly but they have an outstanding customer service team. They wrote a personalized email checking on my dog and asked me to give him a hug for them. I was extremely impressed by this as most large companies send automated impersonal emails. My dog had major surgery within 3 months of having the policy and I was so nervous that there would be red tape to go through to get the reimbursement check. Much to my relief I had an email within an hour saying the claim was processed and the check was on the way.

out of 5

POSTED: | BY: Barbara Dallman

Excellent Service

Our 4 1/2 month old puppy was in the back yard and sustained a laceration to his paw. We took him to the vet on Sunday, on Monday they stitched him up, and on Saturday we received a reimbursement check from Healthy Paws. Not knowing if we had cleared the 15 day waiting period we called to speak with a representative. The representative was very helpful and informed us that we were covered and to have our veterinarian submit the claim form. The final touch was when we received an e-mail from the Claims Manager to inquire how our puppy was doing. The level of service we received from Healthy Paws exceeded our expectations.

out of 5

POSTED: | BY: Alan


We've had pet insurance on our cats for years with another well known company and while that company was okay, they could be a huge hassle with claims, and also had caps that caused us a lot of financial hardship when our darling kitty girl developed IBD and a panoply of other illnesses caused by IBD and the meds we had to give her to control it. We lost her in May of 2012 and got a kitten to help us heal, and 3 days after we brought him home we decided to put insurance on him, but after 10 years with the other company we wanted to switch to a better company if we could find one. We found Healthy Paws, and due to the excellent reviews and no cap policy we went with them for the new baby. Since he's a healthy kitten we didn't expect to use the insurance for a long time, but lo and behold, two weeks ago in the evening he threw up some unusual things and off to ER we went. X-rays revealed that he'd swallowed a hard piece of plastic, about 2" x 1" and needed emergency surgery. He came through beautifully and is happily bouncing around again -- but the bill was around $2400. Healthy Paws paid 90% of it (with our yearly $100 deduction) with no questions or hassles whatsoever. Not only that, but they received the claim from the ER on Sunday and we got the check in the mail the very next Thursday -- so in 4 days they got it, processed it, and mailed the check. Being a pet insurance veteran I can promise you that you can't do better than Healthy Paws on all levels. Outside of

out of 5

POSTED: | BY: Marty

Very prompt and professional

Our 8 month old puppy developed a growth on his side that had to be removed and biopsied. The cost was over $900 and Healthy Paws was very prompt, professional and surprisingly caring. Our claim was processed and paid in less than one week.

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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