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: Jo

Horrible

My cat has been covered under HP since 2019, and only now is the second time I've needed to file a claim for her. Process in app: Page 1 is to upload invoice for claim. Page 2 is to upload any missing medical records. Filed a claim for a 5/27/25 visit. Attached the invoice to Page 1. Page 2 stated they are missing Medical records so I uploaded all of my attachments. The app started opening claims for those old wellness visits from the records. Received a message requesting missing records. Emailed all records May 29. Received another message for same. Emailed all records June 3. Filed claims (separately) for 6/9 and 6/10/25 follow-ups. Same process. STILL claiming they do not have medical records. I attached all again for both claims and there are, once again, claims open for old wellness visits. In total, I have submitted all of her medical records FIVE TIMES in the past 2 weeks. Phone calls: May 30, June 9, June 10. All 3 confirmed they saw medical records were emailed. At least, I think because I could barely understand what they were saying nor am I sure they understood me. As of today, June 11, the claim has not processed because I'm "missing information". In addition, I now have 9 open claims when there should only be 3. I sent a heated email to customer service last night with the breakdown of the above. I'm not holding my breath for a reply.
5

out of 5

VETERINARIAN: Reading Animal Clinic

POSTED: | BY: Jade

Reimbursement fast!

After my puppy was in the hosptial healthy paws was able to send me a check for the bill within 2 weeks! It was fast and they did a great job with it. Very thankful for pet insurance saving us over $6,000!
5

out of 5

POSTED: | BY: Nancy Rinehart

I've been with healthypaws for 11yrs+

I've been with healthypaws for 11yrs+. Throughout my dog's life, Millie has gone through two CCL surgeries and most recently surgery to remove masses on her liver. Each time, healthypaws was caring and provided coverage without hassle. I am so glad I chose them so many years ago.
5

out of 5

VETERINARIAN: VCA Northview Animal Hospital Specialty Referral Center

POSTED: | BY: Nancy

Healthypaws is the best

I've been with healthypaws for 11yrs+. Throughout my dog's life, Millie has gone through two CCL surgeries and most recently surgery to have some masses removed from her liver. Each time, healthypaws was caring and provided coverage without any hassle. I am so glad that I chose them all those years ago.
5

out of 5

POSTED: | BY: Brett

Best-In-Class Pet Insurance

Our 5-year old dachshund has been through two very major surgeries and dozens of vet appointments and less serious procedures over the past few years, and not only has Healthy Paws helped with the financial burden, reimbursing within days, they've reached out to provide support as well. We recommend them to all of our friends and family who have all shared with us that their experience has been just as positive. Highly recommend this company for anyone looking to insure your pets!

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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