Healthy Paws | Pet Insurance Review


out of 10

6990 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 9.1
  • 9.1
  • 9.7
  • Count
  • 32
  • 322
  • 6990
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. Learn more about Healthy Paws’ plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.

out of 10

POSTED: | BY: Marina Lovell

Adjustable rate insurance priced me out

I insured my two cats in 2017 at $61.64. In the life of my policy, I filed 1 claim and was paid out when one cat was put down in 2019. The claim process was quick and easy, and the payout was within 2 weeks. I have not tested this process since then. My other cat has a history of allergies that was never covered and takes prescription cat food for kidney stones. My issue is with annual price increases. The premium for my remaing cat has increased from $33.76 in 2017 to $64.35 in 2020, $96.52 in 2021 and $362.23 in 2022. She is a bengal and 16 years old but more than tripling the premium has forced me to cancel the policy. I have since adopted other pets and gone with other insurance companies that were referred by my veterinarian and other pet owners with years of experience with other insurers and older pets.

out of 10

POSTED: | BY: Debbie Zimmerman

So glad I had insurance!

I'm a believer in insurance, rebates, and being prepared. My hope is always if I buy safeguards, I won't ever need them. I got insurance for Enzo, a now 16 mos old Bernedoodle, when he was 8 weeks old. He's never been a chewer, a barker, a biter and doesn't have an aggressive bone in his body. But after he was fixed at 15 mos old (and fully vaccinated) we let him go to doggy daycare at a highly regarded facility in Huntington Beach. And it was there that my fully vaccinated pup got Bordetella. But it wasn't diagnosed until weeks of x-rays, ultrasounds, multiple blood tests, fecal tests and more. At my vets and at a specialty hospital. All the while, I thought my pup was going to die. He was feverish, depressed (it's really a thing!), lethargic, and lost more than 10% of his body weight. He was dehydrated and had to have an under-skin balloon of water placed to strategically release water to keep him alive. This went on for a month. When all was told and done (and Enzo thankfully survived, thanks to the hard work of Brookfield Pet Hospital in Fountain Valley, Ca), my bills were in excess of $6,000. I didn't have that kind of money, so I charged it. And then I crossed my fingers and sent everything to Healthy Paws. Scanning and emailing the info proved faster than faxing or mailing it. When you file a first claim, you must submit all medical records from inception of the puppies life until the present so they have a full picture of his care. Luckily, most vets can forward this information with detail billings, xrays, and analyses on your behalf. You just need to fill out and send a simple one page claim form. Healthy Paws was fantastic. They responded as soon as my packet was received to let me know they were looking at it. though I sent them 14 months worth of records, nothing was disputed. The checks started arriving within a week of filing the claims, in time to pay my charge card bills. My particular policy had an annual $250 deductible, didn't cover exam fees (an insignificant part of any bill) and then they paid 90% of the claim amount. I received more money back then I had paid in insurance premiums, substantially more money. Never once did they questions the services or second-guess the procedures followed. Once Enzo was well and was back home, they actually wrote to see how he was doing. Have you ever had an insurance company do that for you? Healthy Paws was researched by me before signing up with them and the substantial comments all raved about Healthy Paws. I definitely made the right choice, and was able to concentrate on my pup's recovery without having to deal with the stress many insurance providers would have caused. If you're looking for insurance (and you should be), Healthy Paws is the one for you.

out of 10

POSTED: | BY: Doug Dobyne

Healthy Paws Claim Proceesing

Healthy Paws did a great job in processing my dogs' vet bill for an endoscopy he needed to retrieve a foreign object he swallowed; now I have my happy dog back. Healthy Paws had everything completed with just a few days. Thank you so much!

out of 10

POSTED: | BY: Priya Patel

Highly Recommended! Get it Early for peace of mind!

I am so glad we got a plan for our kitten soon after adopting him. We have had far too many emergency situations come up that we could never have anticipated and have already received back way more than we paid in premiums from just our last two claims. We feel so much better knowing we are covered and bring him in for little things (sometimes they turn out to be nothing, somtimes they are bigger). It's nice not having to stress about vet costs as much. Just get it early since pre-existing conditions are not covered. They process and send out checks super quick!

out of 10

POSTED: | BY: Aimee Darwazeh

So Easy!

I have three cats. One was recently diagnosed with Feline Asthma. Once diagnosed, he was placed on a steroid which the vet thinks lowered his immunity and he caught an upper respiratory infection. He then gave that to one of my other cats who got really sick and I had to take him to the emergency vet because he stopped eating and had a fever. Both cats are fine now, although the Asthmatic cat will be on meds for life. Healthy Paws was a LIFESAVER! The process was so easy and because I had this insurance, I did not hesitate to get my cats the care they needed. They fulfilled every part of their agreement. Thank you!

Monthly Cost

$15 – $90, depending on breed, zip code, age of pet and choice of deductible and co-pay.


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.


You can choose an annual deductible of $100, $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.


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,, 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.

Get a quote today

Leave a review