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
Beware of Duplicate Billing and Unresponsive Support
I’ve been a loyal Healthy Paws customer since 2014, but my recent experience has been so frustrating that I can no longer recommend them.
What Went Wrong
* In 2024 I adopted dog B and added her to my original policy (which I’d held since 2014 for my late dog, K).
* Unbeknownst to me, B was also added to my husband’s separate policy (for his dog, S), so we’ve been billed twice for the exact same pet since February 2024.
* No claims have been paid out for B under either policy—so we’ve paid double premiums for zero coverage.
Attempts to Fix It
1. July 7, 2025: Spent over an hour on the phone only to be told it was “beyond capacity” and that management would call back within 24 hours—no callback ever came.
2. Messaged Healthy Paws on Instagram (screenshots available) with no response.
3. July 14, 2025: Called again, was put on hold until the call dropped, and couldn’t get through afterward.
4. Submitted multiple online inquiries—still nothing.
Bottom Line
I’ve asked repeatedly for one of the duplicate policies to be cancelled retroactive to February 2024 and for a full refund of the overpaid premiums. Instead of help, I’ve been stonewalled. Hours wasted, double billing, and no accountability—this is not the customer service experience I expected. For many years Healthy Paws were an incredible company. This is just my most recently issue with them. The last two years their service has gone downhill.
Until Healthy Paws fixes this mess and makes it right, I cannot, in good conscience, recommend them.
7/18/25 Edit to add - received a call from a helpful manager AFTER posting my review. One policy has been cancelled. I will update when I receive a refund
I do NOT recomend this company if you really love your pet. I am insurance agent in California and it is normal companies increase your premium year by year, but from paying $89 a month pretend to rise to $227 a month is crazy, specially that my pet has no claims in 10 years. It is much better to get a good company that protect your pets during all their lives
Also when you try to contact them they will answer in other country with a terryble accent
There are a lot of good insurance on the market
What a great insurance. I have been a customer of Healthy Paws for 9 years and counting 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.
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!"
$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.
