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.
Top-Rated Pet Insurance Plan
No maximum annual or lifetime payouts
One easy-to-understand pet insurance policy
Most claims are processed within 2 days
Use any licensed veterinarian in the U.S. or Canada
I’ve had Healthy Paws Pet Insurance since my dog Rain was just 3 months old, and they’ve consistently been an incredible partner in keeping my pup happy and healthy. From the start, every claim I’ve submitted has been processed quickly and without hassle.
Most recently, my dog suffered a torn CCL and needed TPLO surgery—a major procedure. Healthy Paws not only approved our claim without delay but paid it out in just 8 days. In the middle of a stressful and emotional situation, their fast and compassionate service was a huge relief!
We have strong accident and illness coverage through them, and knowing Healthy Paws is by our side gives me peace of mind that my dog will continue to live a high-quality, active life for years to come.
I can’t recommend them highly enough. If you’re considering pet insurance, this is the company you want in your corner.
I have been with Healthy Paws for 9 years and counting and they have never disappointed me.
"I've been using Healthy Paws Pet Insurance for a while now, and their service has been nothing short of excellent. The claims process is straightforward and quick, and their customer support team is always helpful and kind. Knowing that my pet is covered gives me peace of mind. Highly recommend!"
I’ve had Healthy Paws Pet Insurance since my dog Rain was just 3 months old, and they’ve consistently been an incredible partner in keeping my pup happy and healthy. From the start, every claim I’ve submitted has been processed quickly and without hassle.
Most recently, my dog suffered a torn CCL and needed TPLO surgery—a major procedure. Healthy Paws not only approved our claim without delay but paid it out in just 8 days. In the middle of a stressful and emotional situation, their fast and compassionate service was a huge relief!
We have strong accident and illness coverage through them, and knowing Healthy Paws is by our side gives me peace of mind that my dog will continue to live a high-quality, active life for years to come.
I can’t recommend them highly enough. If you’re considering pet insurance, this is the company you want in your corner.
1
out of 5
POSTED:
| BY: Ali
Quick reimbursement, but steep/predatory premium increases
I think HealthyPaws has one of the best and most painless reimbursement experiences, but I can't justify the steep premium increases anymore - this year they are increasing my monthly premium by 229% from $94.26 to $215.41 for my one dog and it is unfortunately the last straw for me so I have sadly cancelled my policy today. I'm not sure if it's because they were recently acquired by Chubb, but when I spoke to a customer rep, they said that due to a combination of factors (more clients are filing claims, certain state laws are requiring pet insurance companies to be more transparent/ethical with their practices so they can't be sneaky with certain fees, vet costs rising in a few cities, etc.) Healthy Paws is doubling/tripling premiums for many folks this year. Also don't bother trying to negotiate for a lower premium, I've tried many times with no success. All they do is list all the reasons for the increase and that's about it.
This is really heartbreaking for me because now as I look for new pet insurance, any kind of medical issue (as small as a tummy ache, chest cough, etc.) that my dog has experienced in his lifetime can be written off as a preexisting condition that the insurance company no longer has to cover. Because of this, I want to really caution folks to do their research and think twice before committing to HealthyPaws unless you have that cash to burn. Even if your estimate is reasonable now, you can see folks on Reddit/in online forums sharing screenshots of their monthly premiums going from $39 to $421 over the years for just one dog.
Just to provide some numbers, I have been with HealthyPaws since 2017, with a starting premium of $49.17/month for my one dog. Every year since then, they increased this premium by 10-20%, so every year I would select a smaller reimbursement % (and higher deductible) to help balance things out. Right now I am at $94.26/month at their lowest reimbursement and highest deducible option, but I just received an email that they will be increasing my premium by 229% to $215.41/month. At this rate, the smarter move will be for me to simply set aside $90/month into an emergency fund and letting it slowly grow.
I am sad about this because HealthyPaws has always been very quick and efficient about reimbursements, but I cannot recommend this company in good conscience (unless you are incredibly wealthy and can afford your monthly premium spiking over $500/month in your dog's later years).
We’ve had our dog covered by Healthy Paws since we got him as a puppy. While the policy doesn’t cover preventive care or vet exams, Healthy Paws has always covered any diagnostic treatment for our dog, no questions asked and reimbursed us extremely fast. Our dog is now 11 and has been diagnosed with cancer, and having this coverage for his surgery and treatment has been a huge relief during a time of immense stress. Highly recommend getting a plan for your pet while they’re young. It will one day pay off when you really need it and you can focus on the wellbeing of you pet instead of the vet bills.
$15 – $80, depending on breed, zip code, age of pet and choice of deductible and co-pay.
Coverage
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.
Deductible
You can choose an annual deductible of $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.
Exclusions
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 petinsurancereview.com, Consumersadvocate.org, PetInsuranceQuotes.com 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.
