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
2

out of 5

POSTED: | BY: Na

False advertising

Title: False Advertising I enrolled my 1.5-year-old neutered Boxer mix with Healthy Paws based on their reputation and the understanding that rates wouldn’t increase arbitrarily. I was paying $48/month for 80% coverage with a $250 deductible, which felt reasonable. I’ve had a good experience with claims — the app is easy to use, and reimbursements were processed quickly. However, I was surprised and disappointed to see my monthly premium jump to $60, despite having no major claims or changes in coverage. When I signed up, I understood that rates would stay stable unless veterinary costs significantly increased. This hike feels excessive and poorly explained. After some research, I’ve found that many customers have experienced similar increases, which contradicts how Healthy Paws was originally marketed to me. I think it’s important for potential customers to know that premiums can rise sharply, even without claims. I’m now looking into other providers with more transparent pricing.
5

out of 5

POSTED: | BY: Anthony Cacioppo

I can't say enough good things about…

I can't say enough good things about Healthy Paws Pet Insurance. My dog underwent not one, but two TPLO surgeries, and thanks to Healthy Paws, the entire process was as stress-free as it could possibly be during such a challenging time. The claims and reimbursement process was seamless—fast, easy to submit, and clearly communicated every step of the way. I was consistently reimbursed quickly and fairly, which made a huge difference financially and emotionally. On top of that, their customer service is truly a pleasure to work with. Every interaction has been warm, compassionate, and efficient. It’s clear they genuinely care about pets and their owners. I’ve been so impressed that I’ve referred at least 10 people to Healthy Paws, and every one of them has thanked me for the recommendation. If you’re on the fence about pet insurance, trust me—Healthy Paws is the one to go with. I’m incredibly grateful for the peace of mind they’ve given me.
5

out of 5

POSTED: | BY: Evan

So thankful I have Pet Insurance.

Healthy Paws makes it so easy to submit claims. They are always fair and explain everything very well. Payment is also very fast. I thank God I have insurance for my Black lab. Peace of mind. Thank you again Healthy Paws.
5

out of 5

POSTED: | BY: Christine M

Great pet insurance!

Our dog has been with Healthy Paws insurance since 2019 and we are thrilled with their service. We used them first in California and now in Georgia. The customer service is fantastic and they process claims very quickly. Our dog recently needed a knee surgery and they have been amazing throughout the whole process. Highly recommend!
1

out of 5

POSTED: | BY: Scott Simmons

Just received a 208% monthly premium…

Just received a 208% monthly premium for our 2 dogs. Went from $193.37 in May to $597.35 in June for our 6 yr old golden/boxer mix and 10 yr boxer. No health changes for either one. Both had been covered with healthy paws for over 5 years.

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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