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: Raechel

Healthy Paws is Simply the Best!

Got insurance for our two lab puppies - just over 2 weeks after we got it, our puppy had an injury that required multiple x-rays, blood draws, IV & fluids, and 2 overnight stays, totaling over $1,300. Healthy Paws paid 90% of that! And, quickly, too. We submitted the claim and even though it was a first-time claim and they had to review all of the records, we had a check 7 business days later AND 2 special calls and emails to update us on the status and inquire about our puppy's healing. These people aren't just a business - they truly love animals! Best insurance decision we ever made!!

out of 5

POSTED: | BY: Melissa

The best!

They are very pleasant and helpful when I call. They reimburse for claims immediately. This is the best pet insurance plan for sure.

out of 5

POSTED: | BY: Renate Norman


I was originally going to sign up for one of those larger pet insurance companies that you hear about often. But I decided to be thoughtful and do some research. Healthy Paws ended up rising to the top based on the criteria I had. I wanted a company that had high satisfaction scores from clients, covered illnesses/sicknesses, were responsive and most importantly treated me like a person. Not only did Healthy Paws meet these criteria but they also had an added benefit - they actually care about my pet. When I have submitted claims they actually ask how my dog is doing! What insurance company does that? In addition, they have consistently processed my claims in under a week! I absolutely love Healthy Paws and will use them for all my future pets.

out of 5

POSTED: | BY: Kathleen

Emergent Gastro Surgery

Healthy Paws saved us thousands of dollars after our 6 month old puppy had to have an emergent surgery, at a specialty facility, after hours. We love that we were not restricted to specific facilities/treating vets by the insurance company. Within 2 weeks we were reimbursed the majority of the money. We are so thankful that our friends had recommended Healthy Paws

out of 5

POSTED: | BY: Laura

Healthy Paws exceeded my expectations!

I dropped Holly off for her first day of doggy day care and when I picked her up that evening she had a huge hole in her chest. While the dogs were playing in the back yard another dog attacked her. Off we went to the after hours emergency vet and then to our normal vet first thing the following morning. The wound was pretty bad and required extensive surgery. When all was said and done the bill came to $835. I submitted my claim 8:30am Thursday morning and at 2:40pm I received an email that my claim had been received. Fifteen minutes later I received another email that the claim was approved and the check would be mailed shortly. The check arrived on Monday - exactly one week after the attack! Wow! Health Paws customer service has been great and they've contacted me several times to check in on Holly. I had pet insurance with another company and the service was nothing like Healthy Paws. I based my decision to sign up with Healthy Paws on the reviews on this website and am so glad I did!

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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