Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,719

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.8
  • 4.7
  • 4.9
  • Count
  • 37
  • 249
  • 9,719

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: Nicole Constance

Very Pleased with Healthy Paws!

I spent a lot of time doing research on the different pet insurance companies before deciding on Healthy Paws based on coverage, cost, and customer satisfaction. I definitely think I made the right decision by choosing them! To start with, they reviewed my dog's vet records and told me up front, in writing, what would and would not be covered as a pre-existing condition within the 30-day refund period. In addition, they were generous with their coverage; there were a few things I thought they would be within their right to classify as "pre-exisiting," but the only thing they said was that as long as my dog did not have another UTI within 9 months of his first one, anything that came up would be covered. Last week, my dog got into some chocolate and had to spend the night at the emergency vet. Healthy Paws covered the entire bill, except the office fee (which is not covered). As of my writing this, it has been 7 days since the incident, and I already have my reimbursement check. So here is the timeline: incident happened Tuesday, July 3rd; I picked my dog up from the vet and left the claims paperwork with the vet Wednesday, July 4th; I was emailed on Thursday, July 5th that my claim had been received, and again that my claim had been processed; on Monday, July 9th I received the reimbursement check in the mail (and it got sent to the wrong address first!). I was already satisfied before this incident, and now I'm astounded. There have been a few other, minor clai

out of 5

POSTED: | BY: Vicky Green

Healthy Paws has been awesome for my dog Niko, & I

I am so happy to have made the right choice for my pet, Niko. She is a St. Bernard who will be 2 in August. In March of this year she was diagnosed with Epilepsy, after several terrible seizures. I got her insurance with healthy paws last July, and it has been a life saver. She spent 3 nights in the emergency pet hospital, and I did not have to worry about paying for it, as well as worrying about her. We are still working out the dosage for her medications, and I could not be happier with Healthy Paws and how they have handled my claim. I am in the (people) insurance business, and have been in sales, claims, and customer service. So I understand the insurance industry, and they are wonderful. Niko and I thank you!!

out of 5

POSTED: | BY: Lara Roenitz

Beneficial, Helpful and Completely Worth It

My 2 and a half year old dog had to undergo emergency spinal surgery in April for ruptured discs in her spine-- a common injury with her breed (she is part dachsund). I am extremely happy with Healthy Paws and how my claim was handled. Once I sent all the requried documents they took over and completed the claim in a timely, helpful manner. I also received a follow-up email asking about my dog's progress and recovery, which I thought was extremely thoughtful and kind. I will definitely recommend Healthy Paws insurance to everyone I know who has a pet.

out of 5

POSTED: | BY: Natasha Pakhomkina

Amazing service and people!

After doing my research, I chose Healthy Paws 6 months ago for my 10 months old labrador and this company is beyond any expectations! You become the part of their pet loving family who is so passionate about the work they are doing. It is so rare to meet such a level of customer care and attention these days. My puppy lab has been through several treatments including an emergency accident, and thanks to Health Paws, I could afford to provide her all necessary medical care to keep her healthy. The claim service is working around the clock, it is unbelievable - after submitting my claim over an email on Saturday morning, I got a reply about my reimbursement just a couple of hours later. Very simple and fast. They are really the best in the market!

out of 5

POSTED: | BY: John Burke

I continue to be amazed!

The first time or two I submitted a claim I was amazed at the speed the claim was processed and how fast I received my check! I remember driving home from my vet, and even before I got home I had received an email that the claim had been received and was being processed. I thought, this can't be the way it always is. It was just great timing. Two days ago I had to take my St. Bernard Gus in for an allergy panel of blood work because his ear infection won't go away. It cost me $557.90. I am self-employed and it could not have hit at a worse time, but I knew we needed to find out what was going on. The next day I received a notice the claim had been received and within hours a notice had been sent that the claim had been processed and a check in the amount of $486.81 was on its way! I could not believe it! I am so grateful I made the decision to go with Healthy Paws! I have never made a better decision in my life. Every chance I get I let people know about the company. Whenever I see my vet I show her my claims and how fast they are processed! She too has become a fan and let's everyone she cares for know about the 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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