Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,740

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.9
  • Count
  • 37
  • 249
  • 9,740

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: L. Valdes

Healthy Paws is Amazing

Compassionate, Speedy, Thorough. Can't say enough good things about this company. It's such a worry off of our minds to have this pet insurance and is worth every penny.

out of 5

POSTED: | BY: Bobbi Junier

Healthy Paws is fabulous!

I had scheduled a dental cleaning for my 7 year old yellow lab, Chamois. When they did the blood work prior to anesthesia, a serious kidney issue was found. Chamois went through two days of IV fluids, many tests and was put on meds and a prescription diet once the issue was pinpointed. She was, and still is, a mystery case for our vet and the clinic as she presented no symptoms of an illness and still exhibits nothing that a doctor would normally use to identify an illness. I printed out several personalized claim forms and had the clinic keep them in our file. As an appointment was completed they would fax the form to Healthy Paws and the claim was quickly processed. We had one appointment at 9:00 on a Thursday, the claim was processed by 2:00 that afternoon, and my check was in the mail on Monday. That's awesome! Everything I hoped would be covered was, payment was fast and the customer service couldn't be better. I'd researched several companies and decided on Healthy Paws because it's the only one I found with no caps or limitations on coverage. I'm so glad I chose them! They even follow up with concerns and hugs for Chamois, which is a personal touch that is much appreciated.

out of 5

POSTED: | BY: Jennifer

All the Good Reviews Are True - Awesome Co!

I did a lot of research on pet insurance companies since I had heard so many of my friends were disappointed with theirs. I looked at every comparison chart and read all the fine print on coverage, etc. Healthy Paws reviews and offerings won me over - every review was positive and their coverage plan is very clear (they do not hide what they do and don't cover). Although I felt it was a little risky to go with Healthy Paws since they are a newer company - I am 100% satisfied. Their customer service is 10+ - they are very caring and take care of matters instantly! My puppy, a Cavalier King Charles - had a traumatic knee injury and had to have surgery. The customer service people at Healthy Paws gave me clearance on the surgery coverage the day I inquired - it was instant and they really seem to care and want a fast recovery. I also just got my reimbursement information - they are truly covering 90% of the entire bill ($2300). I highly recommend this company - they have my loyalty!

out of 5

POSTED: | BY: Ross

Difficult to Communicate With

I've had Healthy Paws insurance for only 3 months, so I wouldn't say I know them inside and out. However, so far I've found them difficult to communicate with. They go days between responding to emails. When they do respond, they don't answer the question I asked. I sent them my dog's records multiple times, they say they don't have them. I'm AMAZED that this is the top ranked company on At this point I don't know if I should stick it out with them, or try another company....

out of 5

POSTED: | BY: Matt

The best of the best

I'll be the first to admit that I checked the reviews on this site to pick a good insurance company for my Chocolate Lab. I had VPI, and I wasn't happy with their coverage, so I went with healthy paws. Unbelievable service, quick claim processing (sent in at 3PM, received claim processed email at 7PM). Their CSR are very happy and accommodating, and I will never change insurance companies, and I've already referred several friends to Healthy Paws. Rock on!

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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