Healthy Paws | Pet Insurance Review

4.9

out of 5

Number of reviews 10,740

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
5

out of 5

POSTED: | BY: Debbie Hartway

We love Healthy Paws!

Healthy Paws has been amazing since we got our insurance over 11 years ago! Our sweet Lucy just turned 13 and last week developed vestibular disease which was twrrifying to her and to us. We were able to rush her to a wonderful ER vet where she was hospitalized overnight and had blood work and CT which were all normal. They recommended an MRI and we took her the next day to a wonderful neurologist who did the MRI and ruled out anything serious. She was diagnosed with idiopathic (old dog) vestibular disease which has resolved! Because of healthy paws, we were able to do what needed to be done to care for her and reassure us! They have been amazing when we’ve needed them. 2 TPLO surgeries and rehab to name a few issues we’ve dealt with- all covered. Filing a claim is easy on the app and the claims are processed quickly. We love Lucy so much and will do anything and everything for her until she takes her last breath. Thank you healthy paws for being there for us and our sweet girl all these years and for giving us more time with her!
5

out of 5

POSTED: | BY: Debbie Burns Kelley

Best Pet Insurance I have experienced!

Healthy Paws has done an outstanding job processing claims faster than any other insurance company I have ever used. They keep you updated every step of the way and your reimbursement is deposited in your account within a week. My dog suddenly needed to have a major surgery which happened on Tuesday and was quite expensive. The claim was processed immediately and I received the payment that Friday . My experience with Healthy Paws has been amazing! I highly recommend them to anyone considering pet insurance. They have surpassed my expectations. It’s hard to find a company that can compete with this quality of service.
5

out of 5

POSTED: | BY: Tanya Harlow

They take great care of my dog at…

They take great care of my dog at Animal Health. And Healthy Paws always covers what they say they’ll cover. It’s hassle free and helps reduce some of the anxiety when your pet is sick.
5

out of 5

POSTED: | BY: Holly

No run-around, quick payouts, and little red tape

I was prompted to review Healthy Paws after my dog was treated in October of 2025, but I wanted to share my thoughts on Healthy Paws for all three dogs I've used it with. * It is very easy to submit bills by taking a photo on your phone and uploading it to the site. Most of the time, no follow-up or additional materials are required. When my old dog had emergency bloat surgery, I was afraid it wouldn't be covered. It was, and the subsequent issues were also covered. It made a very difficult time a little easier. * The payout method has improved. It used to take a few weeks, but now it appears to be about a week to receive reimbursement. * I really appreciate how easy the process is to submit a claim. Most of the time, there is no need to do anything else except wait for the reimbursement. * Healthy Paws is the only insurance company I've used for dogs so I don't have anything to compare it to, however I've maintained policies for three dogs since 2017 and continue to recommend it to other dog owners. I've had to make very tough decisions in the past and this takes the pain out of bringing your dog to the vet with an emergency situation.
5

out of 5

POSTED: | BY: Lisa T

Excellent Service and Quick Claims process

My experience has been excellent! The claims process was quick and easy, and the team responded in a timely manner every step of the way. I am more than pleased with the service and would definitely recommend it to others.

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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