Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,654

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.6
  • 4.9
  • Count
  • 41
  • 269
  • 9,654

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: 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

out of 5

POSTED: | BY: Wendie

Fabulous Company!

If you are looking for health insurance for your pet, choose Healthy Pets! For some reason, my dog, Lucy developed a limp in her back leg that is only evident after strenuous exercise. Fortunately, and because of all of the health problems my prior rescue dog had, I decided to get pet insurance shortly after I adopted Lucy. Even more fortunate is that I decided to select Healthy Paws. I am so pleased I did!! They processed my claim immediately and I received my check shortly thereafter. In addition to efficiently processing my claim, they were very helpful and extremely caring. In fact, it is not an exaggeration to say that their customer service rivals Nordstrom’s!

out of 5

POSTED: | BY: Christy

Fabulous personalized service!

I'm not easily impressed, but I was astounded at the fast -- and more important -- personalized service I received from Healthy Paws. If only my own health insurance company was as responsive! Within two days of submitting my poodle's claim (she needed an echo for a heart murmur) I had an email telling me my claim was processed and the check was in the mail. The best part, however, is that they took the time to read the dr's notes and see that my baby's murmur was innocent and stated their happiness at the positive diagnosis. It feels as though we have someone who really cares about our dog.

out of 5

POSTED: | BY: Cathy Sheahan

Quick, Caring & Efficient!!

We've had dogs for 20 years without pet insurance, but after our last dog was put down and had severe medical issues (cha-ching!!)I realized insurance would have been a good thing.When we adopted Tory, a rescue dog, I started researching pet insurance companies. After a LOT of on-line research, I was most impressed with Healthy Paws coverage, and their customer reviews were amazing. I went with Healthy Paws as they seemed to be the only insurance company that truly cared about the animals. I joined in 5/2011 and only 2 months later she was bit by another dog. I didn't get around to filing the claim until 1/2012, but after faxing the claim form, within hours they responded to let me know my claim was received, which also included a heart-felt note from one of their reps that they were sorry to hear what had happened to her and hoped she had a quick recovery and is feeling back to normal. It wasn't long after that that I received another email to advise what was covered and the check would be mailed shortly (I went with the 90% reimbursement with $50 deductable plan!). All I can say is WOW! If only my own insurance company cared as much about my condition and were as efficient as Healthy Paws!!! You can shop around and compare for yourself but, take my word for it, you can save yourself a lot of time and trouble and simply go with Healthy Paws and decide which of their plans you want to go for! I was so impressed with their service I emailed them to give them kudos and re

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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