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
Healthy Paws has been a true blessing! I've never had pet insurance and decided to give Healthy Paws a try six years ago when I adopted my kitties, Salsa and Queso. Salsa wound up needing knee surgery in August and I wasn't sure if the surgery would be covered by her insurance. The claim was processed quickly and the funds (80%) were deposited within a few days. It's so easy to file a claim and the claims are processed so quickly! I'm beyond grateful to Healthy Paws!
The cost of the monthly premium has quadrupled since I bought the policy and it doesn’t cover routine visits. I pay far less for my health insurance and receive many more benefits
I’ve been with Healthy Paws for over 15 years, and they’ve been absolutely incredible every step of the way. This past year has been one of the toughest for my senior dog—she’s battled a bone infection that may have reached her knee implant, histoplasmosis, and now bone cancer. Each diagnosis has been painful, expensive, and emotionally draining, but thanks to Healthy Paws, I’ve never had to hesitate about getting her the care she needs.
Their claim process is effortless, their communication is clear, and reimbursements are unbelievably fast—often within just a couple of days. There’s never any hassle, never any runaround (which I have experienced with 3 other pet insurance companies over the years)—just genuine support and compassion.
Because of Healthy Paws, I’ve been able to focus on what really matters: making my dog comfortable and giving her the best possible quality of life. The peace of mind they’ve given me during such a difficult time is something I’ll never forget.
People often complain that premiums go up significantly as their pets age and that's true, they do. You have to plan for that. But I can tell you that in the past 10 months, our vet bills have totaled nearly $20,000 and Healthy Paws has reliably and quickly reimbursed us according to our plan, without fail!
During our moment of crisis with our 4 year old Mini Goldendoodle, who suddenly experienced cluster seizures for the first time, we felt great relief knowing that we had pet insurance for our boy. The expense would have been so significant for our family without it. My advice to anyone on the fence about investing in a pet insurance policy because they worry “they may never use it”, would be to pray that they are never in a situation that you might need it. However, understand that without it, you may be forced to make decisions for your fur-baby not from your heart, but from your wallet, which may not be supportive of your hearts plan. No one expects to have a crisis, but we can be more prepared for it financially. The turn around time for reimbursement was almost immediate so we never felt the financial blow.
$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.
