Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 11,403

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 Official Pet Insurance of PetSmart 24/7 virtual vet care: Through Airvet — the nation’s leading veterinary telehealth app Fast claims: Most claims are processed within 2 days Coverage options with no payout limits & 90% reimbursement
1

out of 5

POSTED: | BY: Mary

Overprice

I started with them when my dog was 6 months old. At that time, I was paying about $50 per month. Now, he is 8 years old, and I pay $193/month.
5

out of 5

POSTED: | BY: Linda B

Process claims quickly

They are quick to review and process your claim. They always check on your pet. All around great insurance! I would recommend to anyone.
5

out of 5

POSTED: | BY: Linda

Great Insurance

They are quick to review and process your claim. They always ask how your pet is doing! All around great insurance! I would recommend to anyone.
1

out of 5

POSTED: | BY: Debbie

Don't buy Pet insurance, it's a scam!!

I have been paying for Healthy Paws pet insurance for 10 years for 2 dogs. Now that my dogs are older they raised my premium almost to $7000.00 for the year. The reason that Healthy Paws gave me was that my dogs are older now. Isn't that why you start paying pet insurance when your dogs are younger so that when they need it when they get older it is available to you at a reasonable price? It is a scam! You are better off putting money away in an account for your pets and do not pay for pet insurance.
1

out of 5

POSTED: | BY: Richard Chernicky

Unjustifiable, exorbitant and unfathomable premium increases over 14 years.

I insured my dog when he was only a few months old in 2012 at a monthly premium of $30.21. With annual increases as much as 36.25% my new monthly premium for 2025 is now $480.76. I had to let the policy expire. I’m retired, living on Social Security, and that’s more than two and a half times my monthly Medicare Premium. On top of that, regarding on my last two claims, they denied medications consistently covered in the past. They’re making up the rules as they go.

Monthly Cost

$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.

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