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: Aimee Darwazeh

Super 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!

out of 10

POSTED: | BY: Kim Nathanson

Incredible Service

Healthy Paws service has gone beyond my expectations. The terms of the policy are clear and easy to find and understand. Each claim is processed quickly. they communicate each step of the process so you have no anxiety as to when you'll see you refund. I'ts a great feeling to have my dog's care decisions based on quality of life and not costs. I would recommend to everyone with a pet.

out of 10

POSTED: | BY: Marnie Jones


I first signed up for Healthy Paws around, if I recall correctly, 2012, with a late middle age to senior cat. They were fantastic for that cat, so I signed up subsequent pets when the pets were babies. Healthy Paws continued to be excellent from 2012 until about 2019. In addition to murderously expensive annual premium increases, they also have decreased the quality of their customer service. Their premium increases have made their insurance unsustainable and I am looking for options. Their customer service changes have also influenced me to look for other options. They used to be easy to contact, with very helpful and knowledgeable customer service representatives. The reimbursement process used to be lightening fast. The service felt very personal. In the last three or so years, they have become very difficult to contact, and the representatives usually are not especially knowledgeable or helpful. I thinknthey relocated their call centers. The reimbursements take a long time, now, too. I signed up my current pets in 2015 and 2016, when they were puppies or kittens. None of my pets had preexisting conditions and they have generally been very healthy. I feel like Healthy Paws is increasing the rates to an extreme degree. I'm very disappointed with them. I used to recommend them to everyone, but I can no longer do that. I would have to tell people to avoid Healthy Paws. It just isn't what it used to be.

out of 10

POSTED: | BY: Deborah McCormack


I submitted claims by fax, and the next day the claims were approved and check mailed to me. We are very pleased with the ease of submitting claims and very rapid response and payment. I also appreciate that an email was sent to me asking how our dog was after her surgery.

out of 10

POSTED: | BY: Rachel Ordentlich

What a Relief to Have Healthy Paws - and they care too!

We are so grateful we enrolled Barkely when he was a puppy. He's needed two CCL surgeries since then and we had only to worry about taking care of our pooch. The claim process was so easy and our claims were paid faster than the credit card bill came in. Healthy Paws even reached out to us to find out how Barkely was doing. What a small monthly price to pay for the piece of mind we have in knowing that financial issues will not get in the way of deciding what's best for Barkely!

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.

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