Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 7,477

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.7
  • 4.9
  • Count
  • 35
  • 235
  • 7,477

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: Linda C.

Excellent customer service from an ethical co.

Having done a huge amount of research with the state board of insurance and on line, I was pessimistic about this company being any different from the one that I tried about ten years ago with my previous dog, but I thought I would give it a try as it is a small investment to insure my two Pembroke Corgis. I do not deprive my pets of any care and treat them like you would a family member. My pets will have the best care available regardless of who pays, so I wrote the policy on both. Reasearch shows that as many as 50% of the dogs that live past ten years of age die of cancer. My prior dog was 15 and he in fact did die of cancer. Healthy Paws did everything possible to make their claim process simple hassle free. They exceeded my expectations in having a streamline claim process to dealing with the most caring and professional people to having the reimbursement processed within two weeks of submittal. Wowl, I cannot get my health insurance on me to do that. This coverage is a must have for those of us that want to mitigate some of our financial exposure in providing medical care for our pets.

out of 5

POSTED: | BY: Diane W.

Healthy Paws equals peace of mind!

I’ve had Healthy Paws for over a year and thankfully, haven’t had to use them until now. Our 4 year old Lab mix had some constant licking/itching problems for about a week. Let’s just say it was on the south bound end of a north bound dog. Before I took him to the vet, printed out my pre-populated claim form (thanks for that Healthy Paws - I can never remember my policy numbers!). It was nothing serious and the vet just gave us some topical meds for the temporary condition. My vet was pleasantly surprised at how simple their task was in filling out their portion of the claim form. The day after I faxed in the claim form I got an email telling me the claim was in process. Two days later I got a call from one of their customer care reps with an explanation of my claim payment (there was none since the amount covered did not meet the $50 annual deductible, but I knew that when I filed it). Not only were they concerned about our dog that went to the vet, they also inquired how our other dogs were doing!! So, like that credit card commercial: cost of taking family out to dinner once a month = $80. Using part of that money on Healthy Paws to cover our 2 dogs for our peace of mind = priceless!!

out of 5

POSTED: | BY: Amber

Very Pleasantly Surprised

I cannot say enough about how wonderful the service has been that I have received from Healthy Paws. A little over a month ago, my dog woke up with a very red, swollen eye. After 2 vet visits, she was diagnosed with a retrobulbar abscess that would likely require an MRI and surgery (the estimate I received from the vet was for $3000). We decided to try medications first, and in the meantime, I called Healthy Paws to ensure that the MRI and surgery would be covered if it were necessary. The woman I spoke with, Jen, assured me that it would and that she would do her best to make sure it was processed as quickly as possible. It turned out that the medications only worked temporarily, so our dog did end up having to have surgery to drain the abscess (the MRI was not necessary). Her eye is beginning to swell again, so again, we are trying medications and hoping that the abscess does not return. I just put my claims forms in the mail today to file my first claim, but since my initial phone call to Healthy Paws I have received 2 phone calls and an e-mail from Jen checking on my dog and following up with me on her healthcare needs. Additionally after receiving only a fax from my vet, Jen began processing the invoice from my first vet visit to ensure that I would be quickly reimbursed - that is without even officially receiving a claim from me. I researched several pet insurance companies before deciding to go with Healthy Paws, and I am so grateful that I chose them. It is

out of 5

POSTED: | BY: Cindi Kestrel

I wish I could get MY ins. through Healthy Paws

Healthy Paws has been amazing from the beginning! We took out insurance last fall, and in January our dog Mika suffered knee injury. We met most of our deductible in one visit to the vet. The paperwork has been minimal, and since meeting our deductible we are reimbursed at 90% (the level we chose )of the actual invoice from the vet--this includes physical therapy, Rx drugs and supplements! Once the claim is submitted by the vet I get an email to let me know it is being processed, another to tell me it is complete and a check is on the way. I get my reimbursement in just a few days. And that is just the money part--These people actually take a personal interest in what is going on with your pet and their organization makes significant contributions to animal welfare and rescue groups! I would recommend these people to anyone!! The coverage is affordable and comprehensive. I did a lot of research before I chose a plan and I am delighted with my choice.

out of 5

POSTED: | BY: Jacob and

Healthy Paws is the best insurance available

Healthy Paws is the most professional company I delt with this year. I called every single pet insurance and really did my homework compairing rates, servcies and benifits. I also read the reviews. I was a bit concerned that the reviewes were too positive and now I am writing a glowing review just becouse this company is amazing!Our dog Maggie had to have surgery on both of her knees (both ASLs are 90% torn similar to a human ski injury). Healthy paws covered both surgeries, x rays, meds, vistis, etc 90% of all costs exactly as they advertise and no funny busienss with paper work. We scanned the receipts and received reimursment checks within few days. The folks at Healthy paws really care about animals and pet parents, they are knowlegeble, kind and professional. If you want the best pet insurance for your dog or a cat Healthy paws is the best choice with lowest premium and best benifit coverage. This is a pet version of royal PPO! All my friends with pets are getting this new insuance.

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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