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: Cindy

I made the right choice with Healthy Paws!

Despite giving heartworm preventative all year following a negative test, our dog Buddy tested positive for the disease. From the very first call to check on his coverage, the staff at Healthy Paws were exceptional on a personal and professional level. The claim was handled quickly and efficiently and payment was made at 90% with the $50 deductible in less than 10 days after submission. I really appreciated the staff at Healthy Paws contacting me several times to check on Buddy during his recovery! I highly recommend Healthy Paws to anyone who wants the best for their pet!!

out of 5

POSTED: | BY: Michelle

Awesme, just awesome!

I had a previous pet insurance company that was awful, they claimed a pre-existing issue when even the vet clearly stated it was not so I was nervous about selecting another insurance thinking they were all the same. NOT TRUE! I rescued two kittens and one seemed to be having a lot of medical issues, the 5 mth old had breathing problems and the vet bills were piling up, I definitely thought I would have a big hassle trying to get them paid but I submitted the claim and the next day had the approval email ad the check in my hand three days later! I couldn't believe it! Not only that but they followed up to see how the kitten was doing. I raved to my vet and they couldn't believe it either and for the first time the vet is offering referrals to an insurance company. All I can say is THANK YOU and I would recommend them for your pet needs

out of 5

POSTED: | BY: Sandra

Waste of time company

It really annoys me that I wasted my time dealing with this company. After signing up with them my pet was diagnosed with IBS, this company then refused to process the claim because they determined that it was pre-existing since he had been examined previously to make sure he had not swallowed anything dangerous. So if your pet had a previous symptom for a disease and now they are diagnosed you are not covered because now it was a pre-existing condition. Don't waste your time with them.

out of 5

POSTED: | BY: Megan

A very sickly puppy

My 14 mo. old pup started exhibiting symptoms of skin lesions and joint pain that my vet couldn't identify. He continued to decline and exhibit new symptoms including swollen lymph nodes, continued lethargy and increased joint pain, and mouth ulcerations, all in 1 week. I was referred to a specialist after 3 vet visits, and after the internist exam, bloodtests, x-rays, ultrasounds and biopsy, and a scare with a "maybe cancer" diagnosis... the vet ultimately diagnosed my dog with auto-immune disorder. Healthy Paws covered everything they guaranteed in my policy, including the numerous tests and meds! Healthy Paws responds to claims within a day and send out checks immediately. I am still so impressed and they really helped me while I worked to get my puppy back to health quickly!! Healthy Paws is definitely the pet insurance company to use!!

out of 5

POSTED: | BY: Tootie Tatum

Healthy Paws is AWESOME!

My oldest (but not that old - 10 years) Border Collie was stricken with a very rare intestinal lymphoma in October 2011 and died on November 3, 2011. In the short span of three weeks, her medical expenses totaled over $14,000. After that horrific experience and then losing her to a painful death, I decided that my other dogs all needed insurance. I checked into every company I could find and selected Healthy Paws based on their reviews, mission to save dogs, and their very competitive price and coverage options. I never anticipated having to actually use the insurance so soon! Barely more than a month after insuring my pups, one was bitten by a rattlesnake while we were out for a noontime walk on the golf course. It turns out that treatment of a rattlesnake bite is very expensive - the bill ended up being in the neighborhood of $2250. I was SO glad that I made the decision to insure my dogs. Because this was the first claim, I had to get the vet's office to submit all of my dog's medical records for review. That delayed payment of the claim only slightly. I received a check for 90% of the expenses minus the $250 deductible before my credit card bill for his treatment even arrived. These guys were great. Claim submission was easy, I was able to get someone on the phone when I had questions and they even emailed me to check in and see how Moose was doing in his recovery. I could not be happier and I have told several pet parents at my vet clinic about Healthy Pa

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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