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 insured my dog when he was 2 each year premiums went up in 5 years went up from 35.00 to 65,00. It was taking from my credit card every month, luckily never needed to use the insurance. I noticed on my last statement no charge was taking out. I called the company who told me they canceled the insurance in jan because my credit card expired. They said they emailed me, nothing in my box, they sent a notice to a house I lived in 4 years ago, was not forwarded. Why not a phone call? So I kindly asked them to reinstate the insurance, they said no the dog is too old!! Really, after I gave you thousands of dollars and never put in a claim?? Do yourself a favor, save a hundred dollars a month, maybe in the end you will get a vacation with the money. I will never use this insurance again.
I signed up for Healthy Paws Pet Insurance when my Ellie was a puppy. I never thought about pet insurance before until someone recommended it to me. Boy, was that the best recommendation for my Ellie's life. At 2 years old, she started showing signs of major health issues. She had 2 surgeries, has been diagnosed with 3 chronic health issues, and 6 medications daily for the past 10+ years. Healthy Paws has been a life-saver for Ellie. Had we not had this insurance, I'm not sure if Ellie would have lived this long a life. She is 12 now and we just found out she has cancer. Again, we know that Healthy Paws will help us through these next few months with her cancer treatments. I highly recommend Healthy Paws for your pet. Not sure what we would have done without them.
I can’t say enough good things about Healthy Paws Insurance. I’ve had this insurance for my dog, Darla, since she was 1 year old. She is now 10 and had a tumor that needed removing and Healthy Paws paid for the full amount for everything. It was such a gift knowing that I could afford to make the best decisions for her and that I would have help paying for it.
I am one of Healthy Paws original customers, having the same coverage plan (90% with $100 deductible) since 2012.
For context, Healthy Paws was formed in 2009 shortly after co-founder Steve Siadek took a position at a no-kill shelter in after Katrina and wanted to give back. As he stated, "I envisioned Healthy Paws Pet Insurance & Foundation as a way to help both adopted and homeless pets on a national scale." And prior to enrolling with them, I extensively researched options including some of the notable reputable alternatives like Embrace, Pets Best, and Trupanion and immediately excluding some of the bigger players let MetLife and Nationwide, largely due to limitations/schedules. I did not review newer options like Fetch, Figo, and Lemonade as they didn't exist at the time.
My experience for the first few years was tremedous. My dog was a puppy, but my premiums were fair ($40/month?) and I found Health Paws customer service extremely responsive and caring the few times I submitted a claim. Since then, sadly, and especially in light of 2024 Chubb acquisition, I have sadly seen the company move away from a caring truly animal/owner-centric model to a for profit machine.
My premiums - the increases to which are communicated in email tiny (illegal?) 9pt/12px font - are listed below. Each of the past 5 years, my premiums have increased 30% consistently as my medium-sized dog has aged from 8-12 years:
2020: $70.12
2021: $91.15
2022: $118.49
2023: $154.03
2024: $200.23
I just received notice that shortly my rates are increasing for 2025 will increase to $607.58/month!
This represents over a 203% increase likely just when both my dog and I need them most (and after I have been paying hundreds each month).
And Healthy Paws response? It's not a relfection of my dog or any specific cliam, but veterinary costs in my state. They suggested I consider lowering coverage and/or increase my deductible. The lowest I can now get my monthly premium by increasing my deductible 900% (to $1000) is still over $330/month unless I want to drop coverage by 10% or 20%.
Healthy Paws should be ashamed and Rep. Josh Gottheimer specifically called them out for such practices last year. Sadly, I think we need our government to regulate this industry like we do healthcare or class actions to prevent such unscrupulous business practices.
$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.
