Healthy Paws | Pet Insurance Review


out of 5

Number of reviews 9,424

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.7
  • 4.6
  • 4.9
  • Count
  • 46
  • 320
  • 9,424
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: Sean Smith

Healthy Paws is Great

Healthy Paws has been really great for us over the past couple of years owning a handful of a dog. Claims are processed VERY quickly (1-2 days on average) and they recently came through for us on an expensive ACL repair surgery. They even personally emailed me to follow up on how our dog was recovering, which was a nice touch.

out of 5

POSTED: | BY: Lacey Gibbs

Healthy Paws has been amazing

Healthy Paws has been amazing. Without them, I couldn’t have afforded my pet’s surgery. They have been so kind anytime I had questions, and worked quickly to get us reimbursed. They even reached out post surgery to see how Loki was doing. I would highly suggest to anyone who js seeking pet insurance to consider using Healthy Paws!!

out of 5

POSTED: | BY: Kegan Townsend

Really poor experience from Healthy…

Really poor experience from Healthy Paws. They had no issues taking money from me for 7 years, but never helped when we needed it. I've been paying insurance for the last 7 years. I've been fortunate enough to never need to file a claim until a few months ago when my dog needed to visit the ER. A couple thousand dollars later he came back and was ok. When I went to file the claim, it was rejected multiple times because I was missing the initial paperwork from his first vet visit (7 years ago). This vet no longer has the handwritten "soap notes", only the electronic form from his initial exam. I've had multiple customer service interactions and am told if I can't get the soap notes, I'll need go to a vet to get a new checkup with "soap notes", and any claims that occurred before that time would not be valid. Why would they take my money for 7 years if they were never going to be able to process a claim. If they needed the paperwork up front, they should collect it before they take my money. Frustrated, disappointed, and now broke.

out of 5

VETERINARIAN: Laguna Veterinary Clinic

POSTED: | BY: Linda Busek

Excellent Investment for my Fur-baby and me

My pup was rescued at the age of about 6 and we signed up for Healthy Paws Pet Insurance right away after reading a Consumer Reports (if I remember correctly) recommendation. The article definitely put them at the top of the heap. We've had a few health scares over the years, most recently a surgery that left a 3" scar on her tiny leg, but removed a dangerous growth (hopefully permanently). Healthy Paws' website is easy to navigate, contains helpful information, and it is super easy to fill out a claim form. They respond immediately to acknowledge your submission and pay claims very promptly. It is top of the line insurance and there are no lifetime limits; of course, the cost is commensurate.

out of 5

POSTED: | BY: Patrick Sullivan


Happy, helpful, and at times life saving. We love Healthy Paws, as do my parents, my sister, and all our family members and close friends with fur babies as well. Would definitely recommend. 10 out of 10 🙌🏼

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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